Credit union · NCUA insured
Greater Kinston Credit Union Auto Loan Rates
Greater Kinston Credit Union auto loans start at 7.25% APR for a new vehicle and 8.25% for a used one. Rates checked October 22, 2026.
How Greater Kinston Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kinston, NC, where Greater Kinston Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Greater Kinston Credit Union
7.25%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
New Vehicle Loans
Lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
- Discount
- None included
2nd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Greater Kinston Credit Union auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew7.25%
- Used vehicleUsed8.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Greater Kinston 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 Loans
Financing up to 110% of MSRP. Vehicle must be upcoming, current, or prior year model with 10,000 miles or less. Maximum term of 84 months. Flooded / water damaged vehicles, vehicles with salvage title, commercial vehicles, motorcycles, or RVs not accepted. Collision and comprehensive insurance protection required with max $500 deductible. Max loan amount $50,000. Lending limited to NC residents.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.00% | Up to 36 Months. |
| 37–60 months | 7.25% | 37 to 60 Months. |
| 61–72 months | 7.75% | 61 to 72 Months. |
| 73–84 months | 8.75% | 73 to 84 Months. |
Sources (2)
All captured Oct 7, 2026
Used Vehicle Loans
Financing up to 110% of JD Power retail value. Maximum term of 72 months based on model year and mileage. Vehicles may not be older than 10 years or exceed 150,000 miles. Model years 6-10 years old or mileage over 100,000 miles up to 150,000 miles are limited to max 48 months. Flooded / water damaged vehicles, vehicles with salvage title, commercial vehicles, motorcycles, or RVs not accepted. Collision and comprehensive insurance protection required with max $500 deductible. Max loan amount $50,000. Lending limited to NC residents.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.50% | Up to 36 Months. |
| 37–60 months | 8.25% | 37 to 60 Months. Vehicles 6-10 years old or with >100,000 miles limited to max term of 48 months. |
| 61–72 months | 9.00% | 61 to 72 Months. |
Sources (2)
All captured Oct 7, 2026
Who can join Greater Kinston Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.