Credit union · NCUA insured
NCCFCU Auto Loan Rates
NCCFCU auto loans start at 5.34% for a used one. Rates checked October 22, 2026.
How NCCFCU’s auto loan rates compare
Compared with banks and credit unions near Goldsboro, NC, where NCCFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NCCFCU
– –
- Terms
- —
- Up to
- —
No ongoing APR published
Lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
2nd-lowest rate
First Carolina People's Credit Union
4.50%APR
- Terms
- up to 84 months
- Up to
- —
NCCFCU auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- Used vehicleUsed5.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NCCFCU 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, 2025 (untitled) -2026
As low as rates may be adjusted based on credit performance and loan to value. Maximum rate is 18.00%.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 4.94% | As low as rate based on credit performance and loan to value. Maximum rate 18.00%. |
| 49–60 months | 5.14% | As low as rate based on credit performance and loan to value. Maximum rate 18.00%. |
| 61–66 months | 5.34% | As low as rate based on credit performance and loan to value. Maximum rate 18.00%. |
| 67–72 months | 5.49% | As low as rate based on credit performance and loan to value. Maximum rate 18.00%. |
| 73–84 months | 5.99% | As low as rate based on credit performance and loan to value. Maximum rate 18.00%. |
Sources (1)
- nccfcu.org/customer-service/rates · captured Oct 7, 2026
Pre-Owned (2020+)
As low as rates may be adjusted based on credit performance and loan to value. Maximum rate is 18.00%.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 5.14% | As low as rate based on credit performance and loan to value. Maximum rate 18.00%. |
| 49–60 months | 5.34% | As low as rate based on credit performance and loan to value. Maximum rate 18.00%. |
| 61–66 months | 5.54% | As low as rate based on credit performance and loan to value. Maximum rate 18.00%. |
| 67–72 months | 5.69% | As low as rate based on credit performance and loan to value. Maximum rate 18.00%. |
| 73–84 months | 6.19% | As low as rate based on credit performance and loan to value. Maximum rate 18.00%. |
Sources (1)
- nccfcu.org/customer-service/rates · captured Oct 7, 2026
Who can join NCCFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Wayne County, NC are eligible to join.
Other ways
- North Carolina residents who do not meet Wayne County criteria can join by making a one-time $5.00 tax-deductible donation to the Your Community Foundation.
Cost to join
- Opening a savings account requires a $1 deposit.
- A one-time $5.00 tax-deductible donation to the Your Community Foundation is required for the statewide residency eligibility path.
Membership information collected October 4, 2026.