Credit union · NCUA insured
Emergency Responders Credit Union Auto Loan Rates
Emergency Responders Credit Union auto loans start at 5.00% APR for a new vehicle and 4.50% for a used one. Rates checked October 4, 2026.
How Emergency Responders Credit Union’s auto loan rates compare
Compared with banks and credit unions near Winston-Salem, NC, where Emergency Responders Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Emergency Responders Credit Union
5.00%APR
- Terms
- up to 84 months
- Up to
- —
New Autos
Lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
2nd-lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
Emergency Responders Credit Union auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Emergency Responders 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 Autos
Demonstrator and program vehicles are classified as new vehicle purchases. Repayment period up to 84 months depending on loan value. Underwriting focuses on character, capacity to repay, and creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.00% | — |
Used Autos (2016 - 2025)
Available for vehicles up to 20 years old (2016 - 2025 in rate schedule). Repayment period up to 84 months depending on loan value.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50% | As low as rate for used vehicles (2016 - 2025). Repayment period up to 84 months depending on loan value. |
Who can join Emergency Responders Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Emergency Responders Credit Union are eligible for membership.
Military, government and schools
- Employees and volunteers of Emergency First Responder Agencies (fire service, emergency medical service, emergency management, law enforcement, and hazardous materials) in North Carolina are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relations) and household members living in the same residence maintaining a single economic unit of a credit union member are eligible for membership.
Other ways
- Organizations composed primarily of persons within the field of membership of Emergency Responders Credit Union are eligible for membership.
- Retirees of eligible first responder groups and Emergency Responders Credit Union are eligible for membership.
Cost to join
- Establishing membership requires purchasing one credit union share with a $25.00 refundable deposit to a share (savings) account.
Membership information collected October 4, 2026.