Credit union · NCUA insured
Civic Federal Credit Union Auto Loan Rates
Civic Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How Civic Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Civic Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Civic Federal Credit Union
5.24%APR
- Terms
- up to 72 months
- Up to
- —
New Auto Loan
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
Civic Federal Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Civic 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.
Auto Refinance Loan
Civic membership required. Existing Civic auto loans are excluded from refinance offer. No person-to-person refinances or purchases. Rate and credit limit based on member credit history. Borrowers must be at least 18 years old and live in NC, SC, VA, GA, or TN. Vehicles with branded titles, motorcycles, boats, RVs, and commercial vehicles excluded. Collision and comprehensive insurance required (maximum $1,000 deductible). Cash-out refinance available when vehicle is fully owned with no current liens on title. Signature+ Checking Account may qualify for a .25% rate discount on eligible auto refinance auto loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.24% | Rate is as low as 5.24% APR for term up to 72 months. Applies to new vehicles up to 1 year old with maximum 20,000 miles (or 10,000 miles per overview). Signature+ Checking Account may qualify for a .25% rate discount. |
| 73–84 months | 6.25% | Rate is as low as 6.25% APR for term 73-84 months. Applies to new vehicles up to 1 year old with maximum 20,000 miles (or 10,000 miles per overview). Signature+ Checking Account may qualify for a .25% rate discount. |
| 85–96 months | 7.00% | Rate is as low as 7.00% APR for term 85-96 months. Applies to new vehicles up to 1 year old with maximum 20,000 miles (or 10,000 miles per overview). Minimum loan is $50,000; maximum loan is $125,000. Signature+ Checking Account may qualify for a .25% rate discount. |
| up to 72 months | 5.50% | Rate is as low as 5.50% APR for term up to 72 months (maximum 60 months for vehicles 10 to 18 years). Applies to used vehicles up to 18 years old with maximum 120,000 miles at origination. Signature+ Checking Account may qualify for a .25% rate discount. |
Sources (2)
All captured Oct 22, 2026
New Auto Loan
Civic membership required ($25 deposit into Select Savings Account). Available for dealer purchases only; no person-to-person purchase or refinance transactions. Borrowers must be at least 18 years old and live in NC, SC, VA, GA, or TN. Rate and credit limit based on member credit history. New vehicle defined as less than 1 year old with maximum 20,000 miles at origination; collateral value based on MSRP. Comprehensive and collision insurance required (maximum $1,000 deductible). No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.24% | Rate is as low as 5.24% APR for term up to 72 months. Applies to new vehicles up to 1 year old and up to 20,000 miles. |
| 73–84 months | 6.25% | Rate is as low as 6.25% APR for term 73-84 months. Applies to new vehicles up to 1 year old and up to 20,000 miles. |
| 85–96 months | 7.00% | Rate is as low as 7.00% APR for term 85-96 months. Applies to new vehicles up to 1 year old and up to 20,000 miles. Minimum loan amount is $50,000 and maximum loan amount is $125,000. |
Sources (2)
All captured Oct 22, 2026
Used Auto Loan
Civic membership required ($25 deposit into Select Savings Account). Available for dealer purchases only; no person-to-person purchase or refinance transactions. Borrowers must be at least 18 years old and live in NC, SC, VA, GA, or TN. Rate and credit limit based on member credit history. Used vehicle defined as 18 years or less with maximum 120,000 miles at origination; vehicle value determined using J.D. Power data. Civic will finance 100% of J.D. Power value, plus additional 15% to cover purchase-related expenses such as tax, tags, and extended warranties. Maximum term of 84 months for vehicles 10 years and less; maximum 60-month term for vehicles 10 to 18 years. Comprehensive and collision insurance required (maximum $1,000 deductible). No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.50% | Rate is as low as 5.50% APR for term up to 72 months. Applies to used vehicles up to 18 years old and up to 120,000 miles (maximum 60-month term for vehicles 10 to 18 years). |
| 73–84 months | 6.25% | Rate is as low as 6.25% APR for term 73-84 months. Applies to used vehicles up to 10 years old and up to 120,000 miles. |
Sources (2)
All captured Oct 22, 2026
Who can join Civic Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Businesses owned by local government workers or businesses and nonprofit organizations that primarily service local government agencies are eligible for membership.
Military, government and schools
- Local government elected officials in North Carolina are eligible for membership.
- Current and retired employees of local government agencies (including full time, part time, seasonal, and contract employees) in North Carolina are eligible for membership.
- Volunteers for local government units in North Carolina are eligible for membership.
Family and household
- Family members of local government employees and retirees are eligible for membership.
Other ways
- Individuals outside the primary field of membership can qualify to join Civic by becoming a Friend of the Civic Foundation.
Cost to join
- All members are required to maintain a Savings / Select Savings Account with a minimum deposit of $25.
Membership information collected October 4, 2026.