Credit union · NCUA insured
GUCO Credit Union Auto Loan Rates
GUCO Credit Union auto loans start at 5.00% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How GUCO Credit Union’s auto loan rates compare
Compared with banks and credit unions near Greenville, NC, where GUCO Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
GUCO Credit Union
5.00%APR
- Terms
- 49–60 months
- Up to
- 8.50% APR
New Auto Loans
Lowest rate
Welcome Federal Credit Union
3.50%APR
- Terms
- 60–84 months
- Up to
- —
2nd-lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
GUCO Credit Union auto loan score
78
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GUCO Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loans
Current members in good standing; completed 6 month probationary period. Rates based on creditworthiness, term of loan, and other factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50%–8.00% | — |
| 37–48 months | 4.75%–8.25% | — |
| 49–60 months | 5.00%–8.50% | — |
| 61–72 months | 5.25%–8.75% | Limits >$20,000 |
| 73–84 months | 5.50%–7.75% | Limits >$27,500; lower because not offered to lower tiers |
Used Auto Loans
Current members in good standing; completed 6 month probationary period. Rates based on creditworthiness, term of loan, and other factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75%–8.25% | — |
| 37–48 months | 5.00%–8.50% | — |
| 49–60 months | 5.25%–8.75% | — |
| 61–72 months | 5.50%–9.00% | Limits >$20,000 |
| 73–84 months | 5.75%–8.00% | Limits >$27,500; lower because not offered to lower tiers |
Who can join GUCO Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees and retirees of Greenville Airport are eligible for membership.
- Employees and retirees of the City of Greenville are eligible for membership.
- Employees and retirees of Greenville Housing Authority are eligible for membership.
- Employees and retirees of Greenville Utilities Commission are eligible for membership.
Family and household
- Immediate family members (defined as spouse, children, grandchildren, parents, siblings, stepchildren, and adopted children) are eligible to join.
Membership information collected October 4, 2026.