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Vehicle Loans

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Vehicle Loans

Looking to get behind the wheel of a new or new-to-you car or truck? Maybe you’re looking to take in the scenery from an RV. Macon-Bibb Employees CU offers low rates and flexible terms to help you enjoy the ride!

New/Current Year (Under 15,000 Miles)
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 2.10% 2.10% 4.25% 7.15% 10.15% 12.90%
48 Months 2.20% 2.20% 4.30% 7.40% 10.40% 13.40%
60 Months 2.30% 2.30% 4.35% 7.60% 10.40% 13.90%
66 Months 2.40% 2.40% 4.35% 8.10% 11.15% n/a
72 Months 3.15% 3.15% 5.10% 8.35% 11.15% n/a
84 Months 4.40% 4.40% 6.90% 9.90% 13.40% n/a
All rates are displayed with the APR:  Annual Percentage Rate

Used: 1 & 2 Years
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 2.25% 2.25% 4.65% 7.50% 11.75% 14.25%
48 Months 2.35% 2.45% 4.80% 7.60% 12.00% 14.50%
60 Months 2.45% 2.65% 4.80% 7.85% 12.25% 14.75%
66 Months 2.65% 2.65% 5.15% 8.15% 12.50% 15.00%
72 Months 3.15% 3.40% 5.65% 8.85% 12.75% n/a
All rates are displayed with the APR:  Annual Percentage Rate

Used: 3 & 4 Years
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 3.20% 3.75% 5.10% 7.90% 12.50% 14.75%
48 Months 3.40% 4.15% 5.30% 8.10% 12.75% 15.00%
60 Months 3.80% 4.65% 5.85% 8.35% 13.00% 15.25%
66 Months 4.65% 5.15% 6.60% 9.40% 13.25% n/a
All rates are displayed with the APR:  Annual Percentage Rate

Used: 5 Years & Older
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 5.00% 5.20% 6.45% 8.45% 13.50% 14.75%
48 Months 5.25% 5.45% 6.95% 8.70% 13.75% 15.00%
60 Months 5.50% 5.70% 7.45% 8.95% 14.00% 15.25%
All rates are displayed with the APR:  Annual Percentage Rate

Competitive Rate Adjustments:  Secured Loans only - AVP and above authorization = down to 25bp below base rate.

Credit Score Table
Credit Score GradeCredit Score Range
All loans subject to credit approval. Restrictions apply. Contact credit union for full details." and “Competitive Rate Adjustments: Secured Loans only - AVP and above authorization = down to 25bp below base rate.
A+ 720 and Up
A 685 - 719
B 655 - 684
C 620 - 654
D 585 - 619
E 584 or Less

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