Auto Loans · Toccoa, Georgia
3 credit unions in Toccoa report car loan rates to the NCUA. Rates range from 5.50% to 6.75%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
5.50%
Lowest New Car Rate
6.08%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | THE WRIGHT ★ 5.0 · 10 reviews | 5.50% | 11.31% |
| 2 | OMEGA PSI PHI FRATERNITY ★ 4.0 · 33 reviews | 6.00% | 7.50% |
| 3 | NORTH GEORGIA ★ 4.0 · 33 reviews | 6.75% | 6.75% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NORTH GEORGIA ★ 4.0 · 33 reviews | 6.75% | 6.75% |
| 2 | OMEGA PSI PHI FRATERNITY ★ 4.0 · 33 reviews | 7.50% | 6.00% |
| 3 | THE WRIGHT ★ 5.0 · 10 reviews | 11.31% | 5.50% |
A pre-approval from a Toccoa 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 Toccoa in the same window and take the best offer.
See member reviews, branch locations, and full rate details.