Credit union · NCUA insured
National Police FCU Auto Loan Rates
Top CarrotNational Police FCU auto loans start at 4.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How National Police FCU’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where National Police FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
National Police FCU
4.99%APR
- Terms
- up to 84 months
- Discount
- None included
New Auto
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
National Police FCU auto loan score
78
Auto loan score
Higher than 47% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where National Police FCU 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.
Motorcycle
20% down payment required for loans greater than $25,000. Extended Warranty options available. Gap Coverage available. Qualifies toward End of Watch Loan Protection. Credit restrictions apply. $100.00 titling fee for all auto loans financed with the Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.24% | Rates starting as low as 7.24% APR. 20% down payment required for loans greater than $25,000. Extended Warranty, Gap Coverage, End of Watch Loan Protection available. Credit restrictions apply. $100.00 titling fee applies. |
Sources (1)
- nationalpolicefcu.com/lending/loan-products/auto-loans · captured Oct 16, 2026
New Auto
Financing up to 100% of purchase or refinancing up to 100% of current value. Eligible vehicles include current, previous, and forthcoming year models with 7,500 miles or less that have never been titled. Credit restrictions apply. $100.00 titling fee for all auto loans financed with the Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Rates starting as low as 4.99% APR. Financing available for up to 84 months. Requires current, previous, or forthcoming year models with 7,500 miles or less and never titled. |
Sources (1)
- nationalpolicefcu.com/lending/loan-products/auto-loans · captured Oct 16, 2026
Used Auto
Financing up to 100% of purchase or refinancing up to 100% of current value. Vehicles cannot be more than 10 years old or have more than 125,000 miles. Existing term remaining on the loan will be matched if refinancing from another lender. Credit restrictions apply. $100.00 titling fee for all auto loans financed with the Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99% | Rates starting as low as 5.99% APR. Vehicle cannot be more than 10 years old or have more than 125,000 miles. |
Sources (1)
- nationalpolicefcu.com/lending/loan-products/auto-loans · captured Oct 16, 2026
Who can join National Police FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active dues paying members of any Fraternal Order of Police Lodge are eligible for membership.
Military, government and schools
- Active or retired First Responders are eligible for membership.
- Active or retired civilian employees of eligible departments or associations qualify for membership.
Family and household
- Family members or members of household of eligible individuals qualify for membership.
Membership information collected October 5, 2026.