Auto Loans · Georgia
70 credit unions in Georgia report car loan rates to the NCUA. Rates range from 3.48% to 13.50%.
Updated Q1 2026 · NCUA Call Report data
70
CUs Reporting Rates
3.48%
Lowest New Car Rate
5.43%
State Average Rate
46
Cities Covered
70 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BERRIEN TEACHERS NASHVILLE | 3.48% | 7.74% |
| 2 | CREDIT UNION OF GEORGIA Woodstock | 3.49% | 3.99% |
| 3 | LANIER Oakwood | 3.75% | 3.99% |
| 4 | E L C O Elberton | 3.75% | 6.25% |
| 5 | COOSA VALLEY Rome | 3.99% | 4.99% |
| 6 | EXCEL Norcross | 3.99% | 3.99% |
| 7 | VALDOSTA TEACHERS Valdosta | 4.00% | 6.50% |
| 8 | DELTA COMMUNITY Atlanta | 4.09% | 4.39% |
| 9 | WARE COUNTY SCHOOL EMPLOYEES WAYCROSS | 4.30% | 6.45% |
| 10 | MYGEORGIA Gainesville | 4.39% | 6.39% |
| 11 | SAVANNAH SCHOOLS SAVANNAH | 4.42% | 5.20% |
| 12 | LGE COMMUNITY Marietta | 4.45% | 4.45% |
| 13 | ALTAMAHA Jesup | 4.49% | 4.49% |
| 14 | MARSHLAND Brunswick | 4.49% | 5.99% |
| 15 | CDC Atlanta | 4.49% | 4.99% |
| 16 | GENUINE PARTS Norcross | 4.49% | 4.99% |
| 17 | PEACH STATE Lawrenceville | 4.50% | 4.50% |
| 18 | NORTHSIDE ATLANTA | 4.50% | 6.00% |
| 19 | ON THE GRID FINANCIAL Atlanta | 4.50% | 4.50% |
| 20 | CREDIT UNION OF ATLANTA Atlanta | 4.56% | 5.25% |
| 21 | GEORGIA'S OWN Atlanta | 4.61% | 5.83% |
| 22 | THE SOUTHERN Fayetteville | 4.63% | 4.77% |
| 23 | CENTER PARC Atlanta | 4.72% | 5.91% |
| 24 | RIG EMPLOYEES Macon | 4.75% | 5.25% |
| 25 | LOCOGA Valdosta | 4.79% | 6.34% |
| 26 | ROME KRAFT EMPLOYEES Coosa | 4.84% | 6.73% |
| 27 | WORKMEN'S CIRCLE INCORPORATED Savannah | 4.94% | 6.57% |
| 28 | FLINT Reynolds | 4.98% | 5.24% |
| 29 | WALKER COUNTY EDUCATORS Chickamauga | 4.99% | 5.49% |
| 30 | PLATINUM Duluth | 4.99% | 5.37% |
| 31 | GEORGIA GUARD MACON | 5.00% | 8.00% |
| 32 | SAVANNAH POSTAL Savannah | 5.00% | 5.00% |
| 33 | H E A WARNER ROBINS | 5.10% | 6.60% |
| 34 | COWETA CITIES & COUNTY EMPLOYEES Newnan | 5.11% | 5.75% |
| 35 | GEORGIA POWER VALDOSTA Valdosta | 5.17% | 8.37% |
| 36 | GEORGIA UNITED DULUTH | 5.24% | 7.14% |
| 37 | B.O.N.D. COMMUNITY Atlanta | 5.26% | 7.54% |
| 38 | GO ENERGY FINANCIAL TUCKER | 5.40% | 6.73% |
| 39 | COLQUITT COUNTY TEACHER Moultrie | 5.42% | 8.19% |
| 40 | GEOVISTA Hinesville | 5.49% | 4.99% |
| 41 | THE WRIGHT Toccoa | 5.50% | 11.31% |
| 42 | MEMBERSFIRST Decatur | 5.50% | 6.50% |
| 43 | CORE Statesboro | 5.58% | 6.19% |
| 44 | MACON-BIBB EMPLOYEES CREDIT UNION Macon | 5.60% | 9.94% |
| 45 | ASSOCIATED CREDIT UNION NORCROSS | 5.78% | 6.02% |
| 46 | ARTESIAN Leesburg | 5.84% | 6.80% |
| 47 | ROBINS FINANCIAL Warner Robins | 5.86% | 6.83% |
| 48 | CGR Macon | 5.93% | 8.72% |
| 49 | INTERSTATE Jesup | 5.97% | 7.06% |
| 50 | GLYNN COUNTY FEDERAL EMPLOYEES BRUNSWICK | 5.99% | 6.50% |
| 51 | OMEGA PSI PHI FRATERNITY Toccoa | 6.00% | 7.50% |
| 52 | HARRIS EMPLOYEES Cordele | 6.00% | 10.92% |
| 53 | BEKA Lindale | 6.00% | 9.00% |
| 54 | BROSNAN YARD MACON | 6.00% | 10.00% |
| 55 | FAITH CONNECTION Marietta | 6.22% | 6.42% |
| 56 | GEORGIA HERITAGE SAVANNAH | 6.24% | 5.99% |
| 57 | SOUTHEASTERN Valdosta | 6.25% | 6.60% |
| 58 | COMBINED EMPLOYEES WARNER ROBINS | 6.28% | 8.12% |
| 59 | MERCY Savannah | 6.29% | 8.25% |
| 60 | REGIONAL MEMBERS COLUMBUS | 6.39% | 8.27% |
| 61 | MACON FIREMEN'S MACON | 6.50% | 10.00% |
| 62 | COFFEE COUNTY TEACHERS Douglas | 6.52% | 8.12% |
| 63 | SOUTHERN PINE Lake Park | 6.55% | 7.75% |
| 64 | FAMILY FIRST HAPEVILLE | 6.74% | 7.30% |
| 65 | NORTH GEORGIA Toccoa | 6.75% | 6.75% |
| 66 | MIDSOUTH COMMUNITY Macon | 7.00% | 7.50% |
| 67 | KINETIC Columbus | 7.12% | 8.19% |
| 68 | AFLAC COLUMBUS | 7.95% | 9.95% |
| 69 | UNITED NEIGHBORHOOD Augusta | 7.99% | 7.99% |
| 70 | FLINT RIVER EMPLOYEES Oglethorpe | 13.50% | 14.50% |
70 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CREDIT UNION OF GEORGIA Woodstock | 3.99% | 3.49% |
| 2 | LANIER Oakwood | 3.99% | 3.75% |
| 3 | EXCEL Norcross | 3.99% | 3.99% |
| 4 | DELTA COMMUNITY Atlanta | 4.39% | 4.09% |
| 5 | LGE COMMUNITY Marietta | 4.45% | 4.45% |
| 6 | ALTAMAHA Jesup | 4.49% | 4.49% |
| 7 | PEACH STATE Lawrenceville | 4.50% | 4.50% |
| 8 | ON THE GRID FINANCIAL Atlanta | 4.50% | 4.50% |
| 9 | THE SOUTHERN Fayetteville | 4.77% | 4.63% |
| 10 | COOSA VALLEY Rome | 4.99% | 3.99% |
| 11 | CDC Atlanta | 4.99% | 4.49% |
| 12 | GENUINE PARTS Norcross | 4.99% | 4.49% |
| 13 | GEOVISTA Hinesville | 4.99% | 5.49% |
| 14 | SAVANNAH POSTAL Savannah | 5.00% | 5.00% |
| 15 | SAVANNAH SCHOOLS SAVANNAH | 5.20% | 4.42% |
| 16 | FLINT Reynolds | 5.24% | 4.98% |
| 17 | CREDIT UNION OF ATLANTA Atlanta | 5.25% | 4.56% |
| 18 | RIG EMPLOYEES Macon | 5.25% | 4.75% |
| 19 | PLATINUM Duluth | 5.37% | 4.99% |
| 20 | WALKER COUNTY EDUCATORS Chickamauga | 5.49% | 4.99% |
| 21 | COWETA CITIES & COUNTY EMPLOYEES Newnan | 5.75% | 5.11% |
| 22 | GEORGIA'S OWN Atlanta | 5.83% | 4.61% |
| 23 | CENTER PARC Atlanta | 5.91% | 4.72% |
| 24 | MARSHLAND Brunswick | 5.99% | 4.49% |
| 25 | GEORGIA HERITAGE SAVANNAH | 5.99% | 6.24% |
| 26 | NORTHSIDE ATLANTA | 6.00% | 4.50% |
| 27 | ASSOCIATED CREDIT UNION NORCROSS | 6.02% | 5.78% |
| 28 | CORE Statesboro | 6.19% | 5.58% |
| 29 | E L C O Elberton | 6.25% | 3.75% |
| 30 | LOCOGA Valdosta | 6.34% | 4.79% |
| 31 | MYGEORGIA Gainesville | 6.39% | 4.39% |
| 32 | FAITH CONNECTION Marietta | 6.42% | 6.22% |
| 33 | WARE COUNTY SCHOOL EMPLOYEES WAYCROSS | 6.45% | 4.30% |
| 34 | VALDOSTA TEACHERS Valdosta | 6.50% | 4.00% |
| 35 | MEMBERSFIRST Decatur | 6.50% | 5.50% |
| 36 | GLYNN COUNTY FEDERAL EMPLOYEES BRUNSWICK | 6.50% | 5.99% |
| 37 | WORKMEN'S CIRCLE INCORPORATED Savannah | 6.57% | 4.94% |
| 38 | H E A WARNER ROBINS | 6.60% | 5.10% |
| 39 | SOUTHEASTERN Valdosta | 6.60% | 6.25% |
| 40 | ROME KRAFT EMPLOYEES Coosa | 6.73% | 4.84% |
| 41 | GO ENERGY FINANCIAL TUCKER | 6.73% | 5.40% |
| 42 | NORTH GEORGIA Toccoa | 6.75% | 6.75% |
| 43 | ARTESIAN Leesburg | 6.80% | 5.84% |
| 44 | ROBINS FINANCIAL Warner Robins | 6.83% | 5.86% |
| 45 | INTERSTATE Jesup | 7.06% | 5.97% |
| 46 | GEORGIA UNITED DULUTH | 7.14% | 5.24% |
| 47 | FAMILY FIRST HAPEVILLE | 7.30% | 6.74% |
| 48 | OMEGA PSI PHI FRATERNITY Toccoa | 7.50% | 6.00% |
| 49 | MIDSOUTH COMMUNITY Macon | 7.50% | 7.00% |
| 50 | B.O.N.D. COMMUNITY Atlanta | 7.54% | 5.26% |
| 51 | BERRIEN TEACHERS NASHVILLE | 7.74% | 3.48% |
| 52 | SOUTHERN PINE Lake Park | 7.75% | 6.55% |
| 53 | UNITED NEIGHBORHOOD Augusta | 7.99% | 7.99% |
| 54 | GEORGIA GUARD MACON | 8.00% | 5.00% |
| 55 | COMBINED EMPLOYEES WARNER ROBINS | 8.12% | 6.28% |
| 56 | COFFEE COUNTY TEACHERS Douglas | 8.12% | 6.52% |
| 57 | COLQUITT COUNTY TEACHER Moultrie | 8.19% | 5.42% |
| 58 | KINETIC Columbus | 8.19% | 7.12% |
| 59 | MERCY Savannah | 8.25% | 6.29% |
| 60 | REGIONAL MEMBERS COLUMBUS | 8.27% | 6.39% |
| 61 | GEORGIA POWER VALDOSTA Valdosta | 8.37% | 5.17% |
| 62 | CGR Macon | 8.72% | 5.93% |
| 63 | BEKA Lindale | 9.00% | 6.00% |
| 64 | MACON-BIBB EMPLOYEES CREDIT UNION Macon | 9.94% | 5.60% |
| 65 | AFLAC COLUMBUS | 9.95% | 7.95% |
| 66 | BROSNAN YARD MACON | 10.00% | 6.00% |
| 67 | MACON FIREMEN'S MACON | 10.00% | 6.50% |
| 68 | HARRIS EMPLOYEES Cordele | 10.92% | 6.00% |
| 69 | THE WRIGHT Toccoa | 11.31% | 5.50% |
| 70 | FLINT RIVER EMPLOYEES Oglethorpe | 14.50% | 13.50% |
Most community credit unions in Georgia accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.