Credit union · NCUA insured
On The Grid Financial Auto Loan Rates
On The Grid Financial auto loans start at 3.75% APR for a new vehicle and 7.50% for a used one. Rates checked October 22, 2026.
How On The Grid Financial’s auto loan rates compare
Compared with banks and credit unions near Atlanta, GA, where On The Grid Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
On The Grid Financial
3.75%APR
- Terms
- 49–60 months
New and Used Autos and Trucks
Lowest rate
Go Energy Credit Union
3.59%APR
- Terms
- —
3rd-lowest rate
Coosa Valley Credit Union
3.99%APR
- Terms
- —
On The Grid Financial auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew3.75%
- Used vehicleUsed7.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where On The Grid Financial 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.
Motorcycle Loans
Membership eligibility required; $10 Membership Account required. Loan amounts based on NADA retail values. Terms up to 96 months on higher priced vehicles. Rates without discounts as low as stated APR; your rate may be different based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 4.50%–6.50% | Model years 2020 – newer. Rates without discounts as low as 4.50% – 6.50% APR. Terms up to 96 months on higher priced vehicles. |
| up to 96 months | 7.49%–9.25% | Model years 2019 – older. Rates without discounts as low as 7.49% – 9.25% APR. Terms up to 96 months on higher priced vehicles. |
Sources (1)
- cuonthegrid.com/rates/adventure-loan-rates · captured Oct 15, 2026
New and Used Autos and Trucks
Membership eligibility required; $10 Membership Account required. Financing available up to 110% of NADA value. Deferral of up to 60 days before first payment available (approval subject to credit criteria; interest accrues from date of loan). Applies to purchases and refinances from another financial institution.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 3.75% | Model years 2024 – newer. Rates as low as APR; your rate may be different based on creditworthiness. Rate shown is for purchase of 2024 or newer model vehicle. |
| 37–48 months | 3.75% | Model years 2024 – newer. Rates as low as APR; your rate may be different based on creditworthiness. Rate shown is for purchase of 2024 or newer model vehicle. |
| 49–60 months | 3.75% | Model years 2024 – newer. Rates as low as APR; your rate may be different based on creditworthiness. Rate shown is for purchase of 2024 or newer model vehicle. |
| 61–72 months | 4.00% | Model years 2024 – newer. Rates as low as APR; your rate may be different based on creditworthiness. |
| 73–84 months | 5.00% | Model years 2024 – newer. Rates as low as APR; your rate may be different based on creditworthiness. |
| 85–96 months | 7.25% | Model years 2024 – newer. Rates as low as APR; your rate may be different based on creditworthiness. |
| 12–36 months | 4.75% | Model years 2020 – 2023. Rates as low as APR; your rate may be different based on creditworthiness. |
| 37–48 months | 4.75% | Model years 2020 – 2023. Rates as low as APR; your rate may be different based on creditworthiness. |
| 49–60 months | 5.25% | Model years 2020 – 2023. Rates as low as APR; your rate may be different based on creditworthiness. |
| 61–72 months | 6.25% | Model years 2020 – 2023. Rates as low as APR; your rate may be different based on creditworthiness. |
Sources (2)
All captured Oct 15, 2026
Used Autos and Trucks
Membership eligibility required; $10 Membership Account required. Maximum loan amounts based on NADA values. Deferral of up to 60 days before first payment available (approval subject to credit criteria; interest accrues from date of loan). Applies to purchases and refinances from another financial institution.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.50%–8.00% | Model years 2019 – older. Rates as low as 7.50% – 8.00% APR; your rate may be different based on creditworthiness. |
Sources (2)
All captured Oct 15, 2026
Who can join On The Grid Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- People within the electric utilities industry in Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, or Virginia are eligible for membership.
- Persons retired as pensioners or annuitants from the electric utilities industry in eligible states are eligible for membership.
- Employees or members of eligible Select Employee Groups qualify for membership.
Family and household
- Members of immediate family or household of eligible electric utilities industry persons/retirees qualify for membership.
- Spouses of persons who passed away while within the credit union's field of membership qualify for membership.
Other ways
- Organizations of eligible persons qualify for membership.
Membership information collected October 4, 2026.