Credit union · NCUA insured
NCPD Federal Credit Union Auto Loan Rates
NCPD Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How NCPD Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where NCPD Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NCPD Federal Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
Fixed-Rate New Auto
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
NCPD Federal Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NCPD Federal 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.
Fixed-Rate New Auto
Membership and credit approval required. New car refinance must be less than 6 months old and have a maximum of 6,000 miles. Maximum combined age of vehicle and loan term cannot exceed 12 years. Loan can be prepaid without penalty. Financing up to 100% of MSRP up to $80,000 or 90% financing up to $90,000. Promotional rates valid from 10/1/26–12/31/26; refinancing an existing auto loan with NCPD FCU does not qualify for the promotional rate, refinance must be a new loan to NCPD FCU.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.75% | Promotional rate valid 10/1/26–12/31/26. Refinancing an existing auto loan with NCPD Federal Credit Union does not qualify for this promotional rate, the refinance must be a new loan to NCPD FCU. |
| up to 72 months | 5.00% | Promotional rate valid 10/1/26–12/31/26. Refinancing an existing auto loan with NCPD Federal Credit Union does not qualify for this promotional rate, the refinance must be a new loan to NCPD FCU. |
| up to 84 months | 5.25% | Promotional rate valid 10/1/26–12/31/26. Refinancing an existing auto loan with NCPD Federal Credit Union does not qualify for this promotional rate, the refinance must be a new loan to NCPD FCU. |
| up to 96 months | 5.50% | Promotional rate valid 10/1/26–12/31/26. Refinancing an existing auto loan with NCPD Federal Credit Union does not qualify for this promotional rate, the refinance must be a new loan to NCPD FCU. |
Fixed-Rate New Motorcycle
Membership and credit approval required. Up to $60,000 and 72-month payment terms for new or used motorcycles.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.38% | — |
| up to 72 months | 6.63% | — |
Fixed-Rate Used Auto
Membership and credit approval required. Used car financing available for cars up to 8 model years old. Maximum combined age of vehicle and loan term cannot exceed 12 years. Loan can be prepaid without penalty. Financing options include 90% financing up to $60,000, 80% financing up to $40,000, and 70% financing up to $20,000. Promotional rates valid from 10/1/26–12/31/26; refinancing an existing auto loan with NCPD FCU does not qualify for the promotional rate, refinance must be a new loan to NCPD FCU.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Promotional rate valid 10/1/26–12/31/26. Refinancing an existing auto loan with NCPD Federal Credit Union does not qualify for this promotional rate, the refinance must be a new loan to NCPD FCU. |
| up to 72 months | 5.25% | Promotional rate valid 10/1/26–12/31/26. Refinancing an existing auto loan with NCPD Federal Credit Union does not qualify for this promotional rate, the refinance must be a new loan to NCPD FCU. |
| up to 84 months | 5.60% | Promotional rate valid 10/1/26–12/31/26. Refinancing an existing auto loan with NCPD Federal Credit Union does not qualify for this promotional rate, the refinance must be a new loan to NCPD FCU. |
| up to 96 months | 6.00% | Promotional rate valid 10/1/26–12/31/26. Refinancing an existing auto loan with NCPD Federal Credit Union does not qualify for this promotional rate, the refinance must be a new loan to NCPD FCU. |
Fixed-Rate Used Motorcycle
Membership and credit approval required. Up to $60,000 and 72-month payment terms for new or used motorcycles.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.63% | — |
Who can join NCPD Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of federal, state, county, Metropolitan Transportation Authority (MTA) police, and municipal police protection agencies or departments who work in Nassau County, New York, are eligible for membership.
Family and household
- Immediate family members of eligible police protection agency/department employees are eligible for membership.
Membership information collected October 5, 2026.