Credit union · NCUA insured
MyGeorgia Credit Union Auto Loan Rates
Top CarrotMyGeorgia Credit Union auto loans start at 3.99% APR for a new vehicle. Rates checked October 22, 2026.
How MyGeorgia Credit Union’s auto loan rates compare
Compared with banks and credit unions near Gainesville, GA, where MyGeorgia Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MyGeorgia Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
My Auto Loan
Lowest rate
Lanier Federal Credit Union
3.75%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
MyGeorgia Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MyGeorgia 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.
My Auto Loan
Financing terms available from 2 to 7 years (24 to 84 months). 84-month term available for loans above $20,000 and subject to credit history. Financing up to 120% available subject to standard underwriting guidelines. Members may defer first payment up to 90 days (interest accrues; does not apply to existing MyGeorgia loans). Includes Second Chance Auto Finance Program with terms up to 60 months for borrowers re-establishing credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.99% | Rates as low as 3.99% for 60 months on New vehicles. APR could vary based on credit history, age of collateral, and length of term. |
Sources (1)
- mygacu.com/auto · captured Oct 5, 2026
Who can join MyGeorgia Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to individuals who live and work in Banks, Clarke, Dawson, Habersham, Hall, Jackson, Lumpkin, Madison, Oconee, Oglethorpe, Rabun, and White counties in Northeast Georgia.
Membership information collected October 4, 2026.