Credit union · NCUA insured
Peach State Federal Credit Union Auto Loan Rates
Top CarrotPeach State Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 22, 2026.
How Peach State Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Atlanta, GA, where Peach State Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Peach State Federal Credit Union
3.99%APR
- Terms
- 37–60 months
Auto Loan
Lowest rate
Go Energy Credit Union
3.59%APR
- Terms
- —
2nd-lowest rate
On The Grid Financial
3.75%APR
- Terms
- 49–60 months
Peach State Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Peach State Federal 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.
Auto Loan
Subject to credit approval. Must qualify for Peach State membership and loan. Rates may vary based on creditworthiness, term, and/or qualifications. A $15 loan application fee is charged for processing.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Rate is 'as low as'. Subject to credit approval and individual creditworthiness. Estimated monthly payment of $22.58 per $1,000.00 borrowed for up to 48 months. A $15 loan application fee is charged for processing. |
| 37–60 months | 3.99% | Rate is 'as low as'. Subject to credit approval and individual creditworthiness. Estimated monthly payment of $22.58 per $1,000.00 borrowed for up to 48 months. A $15 loan application fee is charged for processing. |
| 61–72 months | 4.25% | Rate is 'as low as'. Subject to credit approval and individual creditworthiness. Estimated monthly payment of $22.58 per $1,000.00 borrowed for up to 48 months. A $15 loan application fee is charged for processing. |
| 73–84 months | 5.25% | Rate is 'as low as'. Subject to credit approval and individual creditworthiness. Estimated monthly payment of $22.58 per $1,000.00 borrowed for up to 48 months. A $15 loan application fee is charged for processing. |
Sources (1)
- peachstatefcu.org/auto-loan · captured Oct 7, 2026
Fresh Start Auto Loan
Second chance loan program for members with less than perfect credit. Subject to credit approval. Must qualify for Peach State membership and loan. A $15 loan application fee is charged for processing.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 14.50% | Rate is 'as low as'. Subject to credit approval and individual creditworthiness. Estimated monthly payment of $34.44 per $1,000.00 borrowed for 36 months at 14.50%. A $15 loan application fee is charged for processing. |
| 37–60 months | 14.90% | Rate is 'as low as'. Subject to credit approval and individual creditworthiness. Estimated monthly payment of $34.44 per $1,000.00 borrowed for 36 months at 14.50%. A $15 loan application fee is charged for processing. |
| 61–72 months | 15.40% | Rate is 'as low as'. Subject to credit approval and individual creditworthiness. Estimated monthly payment of $34.44 per $1,000.00 borrowed for 36 months at 14.50%. A $15 loan application fee is charged for processing. |
Sources (1)
- peachstatefcu.org/second-chanc…to-fresh-start-auto-loan · captured Oct 7, 2026
Who can join Peach State Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.