Credit union · NCUA insured
NCPA Federal Credit Union Auto Loan Rates
NCPA Federal Credit Union auto loan rates start at 4.25% APR. Rates checked October 22, 2026.
How NCPA Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions nationwide. New vehicle, lowest advertised APR first.
This credit union’s lowest
NCPA Federal Credit Union
4.75%APR
- Terms
- up to 60 months
New Auto Loans
Lowest rate
SUNY Fredonia Federal Credit Union
1.90%APR
- Terms
- 12–60 months
2nd-lowest rate
Longshoremen's Local 4 Federal Credit Union
1.99%APR
- Terms
- up to 84 months
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 Auto Loans
Lending is limited to North Carolina, South Carolina, Georgia, Tennessee, and Virginia residents and titled vehicles. Members must be 18 years old or otherwise eligible. For new vehicles (prior, current, or upcoming year model) with 10,000 miles or less. Maximum loan amount up to $50,000. Collision and comprehensive insurance required with a maximum deductible of $1,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.25% | APR as low as; actual APR determined at disbursement based on credit score, collateral, and loan terms. |
| up to 60 months | 4.75% | APR as low as; actual APR determined at disbursement based on credit score, collateral, and loan terms. |
| up to 72 months | 5.00% | APR as low as; actual APR determined at disbursement based on credit score, collateral, and loan terms. |
Used Auto Loans
Lending is limited to North Carolina, South Carolina, Georgia, Tennessee, and Virginia residents and titled vehicles. Members must be 18 years old or otherwise eligible. For vehicles less than 10 years old with 150,000 miles or less. Maximum loan amount up to $35,000. Collision and comprehensive insurance required with a maximum deductible of $1,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.50% | APR as low as; actual APR determined at disbursement based on credit score, collateral, and loan terms. Terms up to 72 months. |
Who can join NCPA Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of North Carolina newspapers that belong to the N.C. Press Association (NCPA), except those whose newspapers have their own credit union, are eligible for membership.
- Individuals retired from eligible NCPA newspapers as pensioners and/or annuitants, including vested former employees, are eligible for membership.
Family and household
- Immediate family members of an existing NCPAFCU member are eligible for membership.
- Un-remarried spouses of persons who died while within the field of membership are eligible for membership.
Cost to join
- Eligible persons age 12 and under can join by opening a FAT CAT® Share Account with a minimum deposit of $5.
- Membership requires opening a share account with a minimum deposit of $25.
Membership information collected October 4, 2026.