Credit union · NCUA insured
Carolina Federal Credit Union Auto Loan Rates
Carolina Federal Credit Union auto loans start at 5.74% APR for a new vehicle and 6.24% for a used one. Rates checked October 22, 2026.
How Carolina Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Carolina Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Carolina Federal Credit Union
5.74%APR
- Terms
- 36–84 months
- Up to
- 17.00% APR
New Car Loans
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 Federal Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Carolina 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 Car Loans
Financing up to 100% available for new vehicles. New vehicles purchased and financed within 90 days can be refinanced at new auto loan rates. Rate discounts up to 0.75% available (excluding promotions). Minimum share balance is $25.00.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 5.74%–17.00% | Rates are based on credit score/history and number of rate discounts up to 0.75% (excluding promotions). Minimum share balance of $25.00 required. |
Sources (2)
All captured Oct 4, 2026
Used Car Loans
Financing up to NADA retail value for used vehicles. Rate discounts up to 0.75% available (excluding promotions). Minimum share balance is $25.00.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 6.24%–17.00% | Rates are based on credit score/history and number of rate discounts up to 0.75% (excluding promotions). Minimum share balance of $25.00 required. |
Sources (2)
All captured Oct 4, 2026
Who can join Carolina 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, goes to school, or worships in Gaston or Cleveland County.
Employers and groups
- Membership is open to eligible employees and retirees of sponsored/partnered companies and associations.
Family and household
- Membership is open to all family members of eligible individuals.
Membership information collected October 4, 2026.