Credit union · NCUA insured
Bragg Mutual Federal Credit Union Auto Loan Rates
Bragg Mutual Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How Bragg Mutual Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fayetteville, NC, where Bragg Mutual Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bragg Mutual Federal Credit Union
4.99%APR
- Terms
- 49–60 months
- Up to
- —
New Vehicle Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
Bragg Mutual Federal Credit Union auto loan score
80
Auto loan score
Higher than 53% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bragg Mutual Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New & Used Motorcycles
Financing up to 80% Loan-to-Value (LTV) on new and used motorcycles. New motorcycles include current or one prior year model motorcycle. Used motorcycles include motorcycles up to 10 years old and in good working order. Rates presented as low as unless otherwise stated.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 8.50% | Rates presented as low as. |
| 25–36 months | 9.00% | Rates presented as low as. |
| 37–48 months | 9.25% | Rates presented as low as. |
| 49–60 months | 9.50% | Rates presented as low as. |
Sources (1)
- braggmutual.org/rates-fees · captured Oct 15, 2026
New Vehicle Loan
New vehicles include vehicles that are current year or 1–2 prior year model vehicles with less than 30,000 miles. Financing available up to 100% Loan-to-Value (LTV). Membership open to residents of 25 NC counties and 7 SC counties, as well as select employee groups.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.79% | Rates presented as low as. |
| 37–48 months | 4.50% | Rates presented as low as. |
| 49–60 months | 4.99% | Rates presented as low as. |
| 61–72 months | 5.50% | Rates presented as low as. |
| 73–84 months | 5.50% | Rates presented as low as. |
Sources (3)
- braggmutual.org/credit-union-auto-loan-north-carolina
- braggmutual.org/loans/auto-loans
- braggmutual.org/rates-fees
All captured Oct 15, 2026
Used Vehicle Loan
Used vehicles include vehicle models up to 10-years-old (unless otherwise stated), and in good working order. Financing available up to 100% Loan-to-Value (LTV) and terms up to 72 months. Membership open to residents of 25 NC counties and 7 SC counties, as well as select employee groups.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Rates presented as low as. |
| 37–48 months | 4.99% | Rates presented as low as. |
| 49–60 months | 5.25% | Rates presented as low as. |
| 61–72 months | 5.75% | Rates presented as low as. |
Sources (3)
- braggmutual.org/credit-union-auto-loan-north-carolina
- braggmutual.org/loans/auto-loans
- braggmutual.org/rates-fees
All captured Oct 15, 2026
Who can join Bragg Mutual Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to people, businesses, and other legal entities located within certain areas/census tracts who live, worship, work/regularly conduct business, or attend school in 25 specified North Carolina counties.
- Open to people, businesses, and other legal entities located within certain areas/census tracts who live, worship, work/regularly conduct business, or attend school in 7 specified South Carolina counties.
Membership information collected October 4, 2026.