Auto Loans · Warner Robins, Georgia
3 credit unions in Warner Robins report car loan rates to the NCUA. Rates range from 5.10% to 6.28%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
5.10%
Lowest New Car Rate
5.75%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | H E A ★ 4.3 · 13 reviews | 5.10% | 6.60% |
| 2 | ROBINS FINANCIAL ★ 3.2 · 121 reviews | 5.86% | 6.83% |
| 3 | COMBINED EMPLOYEES ★ 4.1 · 18 reviews | 6.28% | 8.12% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | H E A ★ 4.3 · 13 reviews | 6.60% | 5.10% |
| 2 | ROBINS FINANCIAL ★ 3.2 · 121 reviews | 6.83% | 5.86% |
| 3 | COMBINED EMPLOYEES ★ 4.1 · 18 reviews | 8.12% | 6.28% |
A pre-approval from a Warner Robins 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 Warner Robins in the same window and take the best offer.
See member reviews, branch locations, and full rate details.