Credit union · NCUA insured
First Carolina People's Credit Union Auto Loan Rates
First Carolina People's Credit Union auto loans start at 4.50% APR for a new vehicle and 6.25% for a used one. Rates checked October 22, 2026.
How First Carolina People's Credit Union’s auto loan rates compare
Compared with banks and credit unions near Goldsboro, NC, where First Carolina People's Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Carolina People's Credit Union
4.50%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
New Vehicle Loan
Lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
- Discount
- None included
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
First Carolina People's Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Carolina People's 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 Vehicle Loan
Vehicle with Salvage Titles - up to 70% of Black Book Average retail. Calculated as simple interest.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50% | Finance up to 80% of MSRP according to Black Book |
| up to 84 months | 5.50% | 90% financing |
| up to 84 months | 6.50% | 100% financing |
Sources (2)
All captured Oct 4, 2026
Used Vehicle Loan
Used vehicle less than 150,000 miles. Vehicle with Salvage Titles - up to 70% of Black Book Average retail. Calculated as simple interest.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.25% | Finance up to 80% of Black Book; used vehicle less than 150,000 miles |
| up to 84 months | 7.25% | Finance up to 90% of Black Book; used vehicle less than 150,000 miles |
| up to 84 months | 8.25% | 100% financing; used vehicle less than 150,000 miles |
Sources (2)
All captured Oct 4, 2026
Who can join First Carolina People's Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses located in Wayne County, Wake County, and Johnston County, North Carolina are eligible for membership.
- Anyone who lives, works, worships, or goes to school in Wayne County, Wake County, and Johnston County, North Carolina is eligible for membership.
Employers and groups
- Members and staff members of Baptist churches and associations cooperating with the Baptist State Convention are eligible for membership.
- Past and present employees of The Baptist State Convention of North Carolina are eligible for membership.
- Past and present employees of Baptist Employees's Credit Union are eligible for membership.
- Past and present employees of Baptist Children's Hmes of N.C. Inc., Baptist Retirement Homes, Inc., The Biblical Recorder, and North Carolina Baptist Foundation are eligible for membership.
7 more ways to join
Employers and groups
- Past and present employees of First Carolina People's Credit Union are eligible for membership.
- Past and present employees of Maola Milk and Ice Cream Company are eligible for membership.
Military, government and schools
- Past and present employees of Campbell University, Chowan College, Gardner-Webb College, Mars Hill College, Meredith College, Wingate University, and Southeastern Baptist Theological Seminary are eligible for membership.
- Past and present employees of Goldsboro Fire Department and Goldsboro Rescue and EMS are eligible for membership.
- Past and present employees of U.S. Postal Service are eligible for membership.
Family and household
- Family members of past and present employees of eligible affiliated organizations and employers are eligible for membership.
Other ways
- Individuals within the field of membership of Rocky Mount Postal Credit Union and Henderson Postal Credit Union are eligible for membership.
Cost to join
- An initial deposit and minimum balance of $25.00 is required to open and keep an account active.
Membership information collected October 4, 2026.