Auto Loans · Macon, Georgia
7 credit unions in Macon report car loan rates to the NCUA. Rates range from 4.75% to 7.00%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
4.75%
Lowest New Car Rate
5.83%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | RIG EMPLOYEES ★ 5.0 · 1 reviews | 4.75% | 5.25% |
| 2 | GEORGIA GUARD ★ 3.3 · 66 reviews | 5.00% | 8.00% |
| 3 | MACON-BIBB EMPLOYEES CREDIT UNION ★ 5.0 · 3 reviews | 5.60% | 9.94% |
| 4 | CGR ★ 3.3 · 66 reviews | 5.93% | 8.72% |
| 5 | BROSNAN YARD ★ 4.5 · 2 reviews | 6.00% | 10.00% |
| 6 | MACON FIREMEN'S ★ 5.0 · 4 reviews | 6.50% | 10.00% |
| 7 | MIDSOUTH COMMUNITY ★ 4.1 · 48 reviews | 7.00% | 7.50% |
7 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RIG EMPLOYEES ★ 5.0 · 1 reviews | 5.25% | 4.75% |
| 2 | MIDSOUTH COMMUNITY ★ 4.1 · 48 reviews | 7.50% | 7.00% |
| 3 | GEORGIA GUARD ★ 3.3 · 66 reviews | 8.00% | 5.00% |
| 4 | CGR ★ 3.3 · 66 reviews | 8.72% | 5.93% |
| 5 | MACON-BIBB EMPLOYEES CREDIT UNION ★ 5.0 · 3 reviews | 9.94% | 5.60% |
| 6 | BROSNAN YARD ★ 4.5 · 2 reviews | 10.00% | 6.00% |
| 7 | MACON FIREMEN'S ★ 5.0 · 4 reviews | 10.00% | 6.50% |
A pre-approval from a Macon 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 Macon in the same window and take the best offer.
See member reviews, branch locations, and full rate details.