Credit union · NCUA insured
Nebraska State Employees Credit Union Auto Loan Rates
Nebraska State Employees Credit Union auto loans start at 4.85% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Nebraska State Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lincoln, NE, where Nebraska State Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Nebraska State Employees Credit Union
4.85%APR
- Terms
- up to 60 months
New Auto Loans
Lowest rate
University of Nebraska Federal Credit Union
3.99%APR
- Terms
- —
2nd-lowest rate
MembersOwn Credit Union
4.25%APR
- Terms
- up to 84 months
Nebraska State Employees Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.85%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Nebraska State Employees 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.
Classic/Antique Auto Loans
Rates are for new loans to the Credit Union, prior loans are not eligible for these new rates. Special terms and conditions may apply to various loan types. Rates listed are our best rates based on applicant's credit history. Your actual rate may be higher.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.00% | Payment per $1,000 is $20.29 |
Sources (1)
- nsecu.org/wp-content/uploads/2…bsite-September-2026.pdf · captured Oct 15, 2026
New Auto Loans
Rates are for new loans to the Credit Union, prior loans are not eligible for these new rates. Rates listed are our best rates based on applicant's credit history. Your actual rate may be higher. For autos with 100,000+ in mileage add 1%.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.00% | Model years 2026 - 2025; Payment per $1,000 is $43.44 |
| up to 36 months | 4.50% | Model years 2026 - 2025; Payment per $1,000 is $29.76 |
| up to 48 months | 4.75% | Model years 2026 - 2025; Payment per $1,000 is $22.93 |
| up to 60 months | 4.85% | Model years 2026 - 2025; Payment per $1,000 is $18.81 |
| up to 72 months | 5.50% | Model years 2026 - 2025; Payment per $1,000 is $16.35 |
| up to 84 months | 6.50% | Model years 2026 - 2025; Payment per $1,000 is $14.86 |
Sources (1)
- nsecu.org/wp-content/uploads/2…bsite-September-2026.pdf · captured Oct 15, 2026
Used Auto Loans
Rates are for new loans to the Credit Union, prior loans are not eligible for these new rates. Rates listed are our best rates based on applicant's credit history. Your actual rate may be higher. For autos with 100,000+ in mileage add 1%.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00% | Model years 2025 - 2024; Payment per $1,000 is $18.88 |
| up to 72 months | 5.75% | Payment per $1,000 is $16.47 |
| up to 84 months | 6.75% | Payment per $1,000 is $14.98 |
| up to 60 months | 5.25% | Model year 2023; Payment per $1,000 is $18.99 |
| up to 72 months | 6.00% | Payment per $1,000 is $16.58 |
| up to 60 months | 5.50% | Model year 2022; Payment per $1,000 is $19.11 |
| up to 48 months | 6.25% | Model years 2021 - 2016; Payment per $1,000 is $23.61 |
| up to 48 months | 6.75% | Model years 2015 and older; Payment per $1,000 is $23.84 |
Sources (1)
- nsecu.org/wp-content/uploads/2…bsite-September-2026.pdf · captured Oct 15, 2026
Who can join Nebraska State Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Credit Union are eligible for membership.
Military, government and schools
- Employees of Community Colleges funded in part by state funds are eligible for membership.
- All public employees (federal, county, city, state) including military personnel (Army Reserve & National Guard) in Dodge County, Nebraska are eligible for membership.
- Persons retired as pensioners or annuitants from the eligible employment groups qualify for membership.
- Employees of the State of Nebraska are eligible for membership.
- Any person whose regular place of employment is in any office building maintained by the State of Nebraska is eligible for membership.
2 more ways to join
Family and household
- Family members of persons within the field of membership are eligible for membership.
- Spouses of persons who die while within the field of membership are eligible for membership.
Membership information collected October 4, 2026.