What is the typical credit union auto loan rate in Georgia?

The median new auto loan rate Georgia credit unions reported on their Q2 2026 call reports was 5.28%, and the median used auto rate was 6.39%. Nationally the medians were 5.46% and 6.32%.

Are these the rates I will get?

No. Each is the rate a credit union entered for that loan type on its call report to NCUA. Your rate depends on your credit, the term, the collateral and the date, and you have to be eligible to join. Use these to see who prices low, then check the credit union's own rate sheet.

Q2 2026 call reports

Credit union loan rates in Georgia

Georgia credit unions reported a median new auto loan rate of 5.28% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Credit Union of Georgia reported the lowest, 3.49%.

These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.

Loan	Georgia median	US median
New auto	5.28%	5.46%
Used auto	6.39%	6.32%
Credit card	11.50%	11.50%
Personal	12.00%	11.75%
Mortgage	5.75%	5.75%
Home equity	7.00%	6.75%

Lowest credit card rate reported in Georgia: Credit Union of Atlanta, 6.95%. Lowest first mortgage rate: Geovista Federal Credit Union, 2.90%. (Same size rules as the national rankings.)

Every Georgia credit union's reported rates

All 71 Georgia credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.

Credit union	New auto	Used auto	Credit card	Personal	Mortgage	Home equity
Delta Community Credit Union	3.69%	3.69%	15.25%	9.75%	5.75%	6.50%
Robins Financial Credit Union	5.81%	6.72%	13.83%	12.01%	5.01%	6.08%
Georgia's Own Credit Union	4.53%	5.08%	17.49%	19.24%	5.38%	6.50%
Associated Credit Union	5.00%	5.69%	10.30%	10.25%	5.06%	7.87%
Georgia United Credit Union	5.24%	7.14%	12.49%	11.99%	6.50%	7.00%
Center Parc Credit Union	4.92%	5.17%	–	13.90%	5.88%	7.00%
Lge Community Credit Union	4.45%	4.45%	15.62%	11.62%	4.13%	8.34%
Peach State Federal Credit Union	4.50%	4.50%	9.90%	10.40%	5.25%	6.25%
Credit Union of Georgia	3.49%	3.99%	14.61%	9.99%	4.54%	7.44%
Coosa Valley Credit Union	3.99%	3.99%	–	7.99%	7.00%	8.00%
Kinetic Federal Credit Union	6.98%	8.12%	13.72%	14.38%	4.58%	7.76%
The Southern Credit Union	4.39%	4.80%	10.45%	9.81%	4.79%	6.75%
Midsouth Community Federal Credit Union	6.50%	7.00%	15.00%	14.00%	6.00%	6.25%
Southeastern Credit Union	6.00%	6.25%	11.99%	12.00%	6.50%	7.00%
Membersfirst Credit Union	5.50%	6.50%	8.99%	18.00%	5.75%	6.50%
CDC Federal Credit Union	4.39%	4.89%	–	13.63%	4.25%	7.07%
Platinum Federal Credit Union	5.01%	5.49%	12.00%	9.50%	5.68%	6.61%
Interstate Credit Union	5.89%	7.00%	13.90%	12.81%	6.66%	7.82%
Marshland Credit Union	4.49%	5.24%	9.90%	9.49%	6.13%	4.99%
Mygeorgia Credit Union	5.37%	6.77%	8.75%	14.64%	5.29%	7.27%
Geovista Federal Credit Union	5.49%	4.99%	8.90%	18.00%	2.90%	7.25%
Excel Federal Credit Union	3.99%	3.99%	9.00%	14.90%	6.62%	6.75%
Georgia Heritage Federal Credit Union	6.24%	5.99%	12.90%	12.95%	6.30%	8.25%
Go Energy Financial Credit Union	5.52%	6.72%	–	11.60%	4.90%	5.96%
Core Credit Union	5.53%	6.14%	10.24%	12.29%	5.76%	7.08%
Family First Credit Union	6.77%	7.21%	11.21%	15.59%	5.09%	7.17%
Workmen's Circle Incorporated Credit Union	5.11%	6.22%	–	9.25%	6.23%	6.98%
Aflac Federal Credit Union	7.95%	9.95%	–	16.00%	–	–
North Georgia Credit Union	6.75%	6.75%	–	10.90%	6.75%	7.00%
CGR Credit Union	6.05%	8.76%	12.38%	14.64%	3.86%	7.03%
Credit Union of Atlanta	4.56%	10.12%	6.95%	12.71%	5.56%	9.92%
Altamaha Federal Credit Union	4.49%	4.49%	8.99%	9.99%	8.75%	–
Lanier Federal Credit Union	3.75%	3.99%	7.90%	10.99%	7.25%	7.25%
Savannah Schools Federal Credit Union	4.41%	5.17%	14.10%	12.31%	7.00%	8.21%
On the Grid Financial Federal Credit Union	4.50%	4.50%	9.00%	4.50%	5.00%	–
B.o.n.d. Community Federal Credit Union	5.31%	7.65%	15.64%	15.35%	6.88%	6.29%
H E A Federal Credit Union	5.10%	6.60%	–	14.00%	7.00%	7.75%
Faith Connection Federal Credit Union	6.23%	6.34%	8.90%	10.14%	5.46%	6.57%
Artesian Federal Credit Union	5.86%	6.39%	–	10.84%	3.91%	6.09%
Coweta Cities & County Employees Federal Credit Union	5.10%	5.60%	–	12.00%	–	–
Southern Pine Credit Union	4.94%	6.14%	–	9.00%	5.98%	7.75%
Savannah Postal Credit Union	5.00%	5.00%	11.50%	18.00%	4.50%	6.00%
Rome Kraft Employees Credit Union	4.86%	6.50%	–	12.16%	7.00%	7.00%
Glynn County Federal Employees Credit Union	5.99%	6.25%	–	9.38%	–	–
Georgia Power Valdosta Federal Credit Union	5.28%	8.39%	–	10.10%	6.06%	7.16%
Northside Federal Credit Union	4.50%	6.00%	–	12.00%	–	–
Genuine Parts Credit Union	4.49%	4.99%	–	9.90%	–	–
Combined Employees Credit Union	6.12%	8.17%	–	12.73%	–	–
The Wright Credit Union	5.47%	11.04%	–	12.30%	7.72%	–
Walker County Educators Federal Credit Union	4.90%	5.90%	–	9.24%	5.00%	5.00%
Valdosta Teachers Federal Credit Union	6.50%	6.50%	–	9.00%	5.00%	6.00%
Mercy Federal Credit Union	6.25%	8.02%	–	11.57%	–	–
Colquitt County Teacher Federal Credit Union	5.71%	8.21%	–	12.35%	–	–
Regional Members Federal Credit Union	6.47%	9.32%	–	15.77%	6.38%	–
Ware County School Employees Federal Credit Union	4.66%	6.35%	–	11.18%	7.05%	6.01%
Brosnan Yard Federal Credit Union	6.00%	10.00%	–	14.00%	–	–
Rig Employees Credit Union	4.65%	5.25%	–	10.00%	–	–
Macon Firemen's Credit Union	6.50%	10.00%	–	15.00%	–	–
Omega Psi Phi Fraternity Federal Credit Union	6.00%	7.50%	–	9.50%	5.38%	–
E L C O Federal Credit Union	3.75%	6.25%	–	11.00%	–	–
Beka Federal Credit Union	6.00%	9.00%	–	14.00%	–	4.00%
Locoga Federal Credit Union	4.91%	6.40%	–	9.93%	–	–
Coffee County Teachers Federal Credit Union	5.86%	6.75%	–	11.38%	–	–
United Neighborhood Federal Credit Union	7.99%	7.99%	–	12.90%	–	–
Flint Federal Credit Union	4.98%	5.24%	–	15.00%	–	–
Macon-Bibb Employees Credit Union	5.69%	11.24%	–	11.24%	–	–
Flint River Employees Federal Credit Union	13.50%	14.50%	–	18.00%	–	–
Berrien Teachers Federal Credit Union	3.61%	8.24%	–	12.43%	–	–
Harris Employees Credit Union	6.00%	10.46%	–	13.25%	–	–
F A B Church Federal Credit Union	–	–	–	11.00%	–	–
Stephens County Community Federal Credit Union	–	–	–	16.00%	–	–

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Georgia credit unions · Lowest rates nationally