Credit union · NCUA insured
Macon-Bibb Employees CU Auto Loan Rates
Macon-Bibb Employees CU auto loans start at 5.40% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Macon-Bibb Employees CU’s auto loan rates compare
Compared with banks and credit unions near Macon, GA, where Macon-Bibb Employees CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Macon-Bibb Employees CU
5.40%APR
- Terms
- up to 60 months
- Up to
- 13.60% APR
New/Current Year (Under 15,000 Miles)
Lowest rate
MidSouth Community Federal Credit Union
3.75%APR
- Terms
- 49–60 months
- Up to
- —
2nd-lowest rate
CGR Credit Union
3.75%APR
- Terms
- up to 60 months
- Up to
- 17.20% APR
Macon-Bibb Employees CU auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.40%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Macon-Bibb Employees CU 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/Current Year (Under 15,000 Miles)
All loans subject to credit approval. APR varies based on creditworthiness and term. Rates for credit score grades D (585 - 619) and E (584 or less) are unavailable. Under 15,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25%–13.15% | Rates tiered by credit score grade: A+ (720 and up): 5.25%, A (685 - 719): 5.25%, B (655 - 684): 5.69%, C (620 - 654): 13.15%. Rates for D and E are unavailable. |
| up to 48 months | 5.40%–13.40% | Rates tiered by credit score grade: A+ (720 and up): 5.40%, A (685 - 719): 5.40%, B (655 - 684): 5.89%, C (620 - 654): 13.40%. Rates for D and E are unavailable. |
| up to 60 months | 5.40%–13.60% | Rates tiered by credit score grade: A+ (720 and up): 5.40%, A (685 - 719): 5.40%, B (655 - 684): 6.00%, C (620 - 654): 13.60%. Rates for D and E are unavailable. |
| up to 66 months | 5.50%–12.10% | Rates tiered by credit score grade: A+ (720 and up): 5.50%, A (685 - 719): 5.50%, B (655 - 684): 7.35%, C (620 - 654): 12.10%. Rates for D and E are unavailable. Long-term auto loan condition: Minimum loan amount must be equal to or greater than $12,000.00; for loan balances below $12,000 member must have 10% equity in Auto. |
| up to 72 months | 5.75%–12.35% | Rates tiered by credit score grade: A+ (720 and up): 5.75%, A (685 - 719): 5.75%, B (655 - 684): 8.10%, C (620 - 654): 12.35%. Rates for D and E are unavailable. Long-term auto loan condition: Minimum loan amount must be equal to or greater than $15,000.00; for loan balances below $15,000 member must have 20% equity in Auto. |
| up to 84 months | 6.50%–13.90% | Rates tiered by credit score grade: A+ (720 and up): 6.50%, A (685 - 719): 6.50%, B (655 - 684): 9.00%, C (620 - 654): 13.90%. Rates for D and E are unavailable. Long-term auto loan condition: Minimum loan amount must be equal to or greater than $30,000.00; for loan balances below $30,000 member must have 30% equity in Auto. |
Used: 1 & 2 Years
All loans subject to credit approval. APR varies based on creditworthiness and term. Rates for credit score grades D (585 - 619) and E (584 or less) are unavailable.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50%–11.15% | Rates tiered by credit score grade: A+ (720 and up): 5.50%, A (685 - 719): 5.50%, B (655 - 684): 7.65%, C (620 - 654): 11.15%. Rates for D and E are unavailable. |
| up to 48 months | 5.50%–12.00% | Rates tiered by credit score grade: A+ (720 and up): 5.50%, A (685 - 719): 5.50%, B (655 - 684): 7.80%, C (620 - 654): 12.00%. Rates for D and E are unavailable. |
| up to 60 months | 5.75%–12.85% | Rates tiered by credit score grade: A+ (720 and up): 5.75%, A (685 - 719): 5.75%, B (655 - 684): 7.85%, C (620 - 654): 12.85%. Rates for D and E are unavailable. |
| up to 66 months | 6.00%–13.02% | Rates tiered by credit score grade: A+ (720 and up): 6.00%, A (685 - 719): 6.00%, B (655 - 684): 8.15%, C (620 - 654): 13.02%. Rates for D and E are unavailable. Long-term auto loan condition: Minimum loan amount must be equal to or greater than $12,000.00; for loan balances below $12,000 member must have 10% equity in Auto. |
| up to 72 months | 6.65%–13.85% | Rates tiered by credit score grade: A+ (720 and up): 6.65%, A (685 - 719): 6.65%, B (655 - 684): 8.65%, C (620 - 654): 13.85%. Rates for D and E are unavailable. Long-term auto loan condition: Minimum loan amount must be equal to or greater than $15,000.00; for loan balances below $15,000 member must have 20% equity in Auto. |
Used: 3 & 4 Years
All loans subject to credit approval. APR varies based on creditworthiness and term. Rates for credit score grades D (585 - 619) and E (584 or less) are unavailable.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.75%–10.90% | Rates tiered by credit score grade: A+ (720 and up): 6.75%, A (685 - 719): 6.85%, B (655 - 684): 9.10%, C (620 - 654): 10.90%. Rates for D and E are unavailable. |
| up to 48 months | 7.05%–11.10% | Rates tiered by credit score grade: A+ (720 and up): 7.05%, A (685 - 719): 7.15%, B (655 - 684): 9.30%, C (620 - 654): 11.10%. Rates for D and E are unavailable. |
| up to 60 months | 7.25%–11.35% | Rates tiered by credit score grade: A+ (720 and up): 7.25%, A (685 - 719): 8.65%, B (655 - 684): 9.85%, C (620 - 654): 11.35%. Rates for D and E are unavailable. |
| up to 66 months | 7.75%–12.40% | Rates tiered by credit score grade: A+ (720 and up): 7.75%, A (685 - 719): 9.15%, B (655 - 684): 10.00%, C (620 - 654): 12.40%. Rates for D and E are unavailable. Long-term auto loan condition: Minimum loan amount must be equal to or greater than $12,000.00; for loan balances below $12,000 member must have 10% equity in Auto. |
Used: 5 Years & Older
All loans subject to credit approval. APR varies based on creditworthiness and term. Rates for credit score grades D (585 - 619) and E (584 or less) are unavailable.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.00%–15.45% | Rates tiered by credit score grade: A+ (720 and up): 8.00%, A (685 - 719): 9.50%, B (655 - 684): 12.75%, C (620 - 654): 15.45%. Rates for D and E are unavailable. |
| up to 48 months | 8.20%–15.70% | Rates tiered by credit score grade: A+ (720 and up): 8.20%, A (685 - 719): 9.45%, B (655 - 684): 12.95%, C (620 - 654): 15.70%. Rates for D and E are unavailable. |
| up to 60 months | 8.60%–15.95% | Rates tiered by credit score grade: A+ (720 and up): 8.60%, A (685 - 719): 9.70%, B (655 - 684): 13.00%, C (620 - 654): 15.95%. Rates for D and E are unavailable. |
Who can join Macon-Bibb Employees CU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of Macon-Bibb Consolidated Gov't, MTA, Macon-Housing Authority, Macon-Bibb EOC, and Macon-Bibb Planning and Zoning are eligible for membership.
Family and household
- Immediate family members of employees of the listed qualifying employers are eligible for membership.
- Immediate family members of current Macon-Bibb Employees Credit Union members are eligible to join.
Cost to join
- A deposit is required to establish membership ($20 total initial deposit / $15 minimum savings account balance).
- A $5 new membership fee is required to establish membership.
Membership information collected October 4, 2026.