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Georgia's Own Credit Union auto loan rates compared

Independent comparison. JustAutoRates is not affiliated with Georgia's Own Credit Union. To apply, visit georgiasown.org.

Georgia · Headquarters Georgia

Live or work in one of 77 eligible Georgia counties, Premier Partner employees or retirees, Georgia State University students/employees, relatives of members, or Credit Union Impact Foundation membership

Rate page on georgiasown.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car rates · 6 rates

As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.

4.35%New36 months

GAChecked Nov 11, 2026

What the lender published

Published for a 36-month term. Auto model years 2025 or newer; $3,500 minimum. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.

Checked Nov 11, 2026Source georgiasown.org

Calculate payment at 4.35% from Georgia's Own Credit UnionVisit lender ↗
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.

4.39%New48 months

GAChecked Nov 11, 2026

What the lender published

Published for a 48-month term. Auto model years 2025 or newer; $3,500 minimum. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.

Checked Nov 11, 2026Source georgiasown.org

Calculate payment at 4.39% from Georgia's Own Credit UnionVisit lender ↗
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.

4.76%New60 months

GAChecked Nov 11, 2026

What the lender published

Published for a 60-month term. Auto model years 2025 or newer; $3,500 minimum. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.

Checked Nov 11, 2026Source georgiasown.org

Calculate payment at 4.76% from Georgia's Own Credit UnionVisit lender ↗
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.

5.10%New72 months

GAChecked Nov 11, 2026

What the lender published

Published for a 72-month term. Auto model years 2025 or newer; $15,000 minimum. Under 75,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.

Checked Nov 11, 2026Source georgiasown.org

Calculate payment at 5.10% from Georgia's Own Credit UnionVisit lender ↗
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $22,000Min. loan $22,000: The lender publishes this rate with a $22,000 minimum loan amount.

5.53%New84 months

GAChecked Nov 11, 2026

What the lender published

Published for a 84-month term. Auto model years 2025 or newer; $22,000 minimum. Under 40,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.

Checked Nov 11, 2026Source georgiasown.org

Calculate payment at 5.53% from Georgia's Own Credit UnionVisit lender ↗
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $40,000Min. loan $40,000: The lender publishes this rate with a $40,000 minimum loan amount.

6.03%New96 months

GAChecked Nov 11, 2026

What the lender published

Published for a 96-month term. Auto model years 2025 or newer; $40,000 minimum. Under 30,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.

Checked Nov 11, 2026Source georgiasown.org

Calculate payment at 6.03% from Georgia's Own Credit UnionVisit lender ↗

UsedUsed car rates · 5 rates

As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.

4.45%Used36 months

GAChecked Nov 11, 2026

What the lender published

Published for a 36-month term. Auto model years 2022-2024; $3,500 minimum. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.

Checked Nov 11, 2026Source georgiasown.org

Calculate payment at 4.45% from Georgia's Own Credit UnionVisit lender ↗
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.

5.37%Used48 months

GAChecked Nov 11, 2026

What the lender published

Published for a 48-month term. Auto model years 2022-2024; $3,500 minimum. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.

Checked Nov 11, 2026Source georgiasown.org

Calculate payment at 5.37% from Georgia's Own Credit UnionVisit lender ↗
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $3,500Min. loan $3,500: The lender publishes this rate with a $3,500 minimum loan amount.

5.40%Used60 months

GAChecked Nov 11, 2026

What the lender published

Published for a 60-month term. Auto model years 2022-2024; $3,500 minimum. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.

Checked Nov 11, 2026Source georgiasown.org

Calculate payment at 5.40% from Georgia's Own Credit UnionVisit lender ↗
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount.

5.45%Used72 months

GAChecked Nov 11, 2026

What the lender published

Published for a 72-month term. Auto model years 2022-2024; $15,000 minimum. Under 75,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.

Checked Nov 11, 2026Source georgiasown.org

Calculate payment at 5.45% from Georgia's Own Credit UnionVisit lender ↗
As low asLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less.Min. loan $22,000Min. loan $22,000: The lender publishes this rate with a $22,000 minimum loan amount.

5.60%Used84 months

GAChecked Nov 11, 2026

What the lender published

Published for a 84-month term. Auto model years 2022-2024; $22,000 minimum. Under 40,000 miles. Approximate term as published. Assumes excellent credit and LTV of 90% or less. Rates effective November 1, 2026.

Checked Nov 11, 2026Source georgiasown.org

Calculate payment at 5.60% from Georgia's Own Credit UnionVisit lender ↗