Auto Loans as Low as 3.75% APR*
Ready to get behind the wheel of your next vehicle? Combined Employees Credit Union makes financing simple with competitive auto loan rates, flexible repayment terms, and personalized service you can trust. Whether you’re purchasing a new or used vehicle or looking to refinance, we’re here to help you find the right loan for your budget and lifestyle.
Calculate Your Auto Loan Savings
Use our calculators below to estimate your monthly payment or see how much you could save by refinancing your current auto loan with Combined Employees Credit Union. With rates as low as 3.75% APR*, you may be able to lower your payment and keep more money in your pocket.
Could You Save by Refinancing?
Compare your current auto loan to a CECU Auto Loan.
Your Estimated Savings
Auto Loan Calculator
Estimate your monthly payment with a CECU Auto Loan.
Vehicle Rates
New & Current Model Autos (Under 15,000 Miles)
| TERM | APR |
|---|---|
| Up to 60 Months | As low as 3.75% |
| 61-72 Months | As low as 4.65% |
| 73-84 Months | as low as 5.65% |
Contact the Credit Union for further information on applicable fees and terms. Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
| TERM | APR |
|---|---|
| Up to 60 Months | As low as 4.00% |
| 61-66 Months | As low as 5.00% |
| 67-72 Months | As low as 5.25% |
| 73-84 Months | As low as 5.50% |
Contact the Credit Union for further information on applicable fees and terms. Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
| TERM | APR |
|---|---|
| Up to 60 Months | As low as 6.00% |
| 61-66 Months | As low as 6.50% |
| 67-72 Months | As low as 7.00% |
Contact the Credit Union for further information on applicable fees and terms. Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
| TERM | APR |
|---|---|
| Up to 60 Months | As low as 7.45% |
| 61-66 Months | As low as 7.70% |
| 67-72 Months | As low as 8.20% |
Contact the Credit Union for further information on applicable fees and terms. Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
| TERM | APR |
|---|---|
| Up to 36 Months | Personal Interest Rates Apply |
Contact the Credit Union for further information on applicable fees and terms. Rates as of January 2, 2026. All rates are subject to change. Your actual interest rate may vary depending on your credit history, collateral, term, and loan to value. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.
Warranties & GAP
Our warranties typically cost approximately $1,500, while our GAP offering is priced at just $499. By comparison, dealership warranties average around $2,500, with GAP products typically priced at $800. These figures demonstrate the considerable savings we can provide. Considering refinancing your vehicle from another financial institution? Our loan officers are ready to assist. We’ll conduct a thorough review of your current loan rate and monthly payments, determining the potential savings you could enjoy by transferring your auto loan to Combined Employees Credit Union.
*$1,500 is an average cost for warranties at CECU and the $2,500 is an average cost at the dealerships. The actual cost of a warranty will be determined by other factors which include year, make, model and mileage of the vehicle.
Ready to Get Started
Ready to take the wheel? Applying for an auto loan with Combined Employees Credit Union is easy! Visit our office, in Warner Robins, GA, or apply online. Our dedicated team is here to guide you through the process and help you every step of the way!
Drive the car of your dreams with confidence and affordability. Trust Combined Employees Credit Union with your next auto loan and experience the small credit union difference!