Credit union · NCUA insured
Carolina Cooperative FCU Auto Loan Rates
Top CarrotCarolina Cooperative FCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Carolina Cooperative FCU’s auto loan rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Carolina Cooperative FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Carolina Cooperative FCU
4.99%APR
- Terms
- up to 72 months
- Up to
- —
Auto Loans - New or Used
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
Carolina Cooperative FCU auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Carolina Cooperative FCU 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.
Auto Loans - New or Used
Maximum amount that may be financed for any one vehicle is $100,000. Same low rate for used or new auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99%–17.50% | Overall rate range for Auto Loans - New or Used. Credit scores determine rate. Up to 72 months (up to 60 months for lower tiers). |
| up to 72 months | 4.99% | Credit Scores 780 & Higher. |
| up to 72 months | 5.99% | Credit Scores 700-779. |
| up to 72 months | 7.25% | Credit Scores 650-699. |
| up to 72 months | 9.99% | Credit Scores 600-649. |
| up to 60 months | 13.99% | Credit Scores 550-599. |
| up to 60 months | 17.50% | Credit Rebuilding Rate. |
| up to 72 months | 4.99% | Rates as low as 4.99% APR* Up to 72 Months. |
Sources (3)
All captured Oct 9, 2026
Credit Rebuilding Auto Loan
Maximum term is 60 months and maximum loan amount is $12,000.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 17.50% | Credit Rebuilding Rate. |
Sources (3)
- carolinacoopcu.com/credit-rebuilding-auto-loan
- carolinacoopcu.com/vehicle-loans
- carolinacoopcu.com/loan-rates
All captured Oct 9, 2026
Who can join Carolina Cooperative FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or study in the majority of Gaston County are eligible for membership.
Employers and groups
- Employees or anyone drawing income from many different Select Employee Groups (SEGs) are eligible for membership.
Family and household
- Family of members (defined as spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, step-siblings, and adoptive relationships) are eligible for membership.
- Household members living in the same residence maintaining a single economic unit with a member are eligible for membership.
Membership information collected October 4, 2026.