Credit union · NCUA insured
Neighborhood Credit Union Auto Loan Rates
Top CarrotNeighborhood Credit Union auto loans start at 4.59% APR for a new vehicle and 4.89% for a used one. Rates checked October 16, 2026.
How Neighborhood Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Neighborhood Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Neighborhood Credit Union
4.59%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
New Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Discount
- None included
Neighborhood Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.59%
- Used vehicleUsed4.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Neighborhood 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.
Auto Loans Refinance
Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $10,000 required. Lowest advertised rate includes maximum 0.35% discount (eligible discounts include enrolling in direct deposit and setting up automatic payments; MVP check program not applicable for refinancing) or up to 0.60% rate discount per refinance floor rate terms. No origination fee and no prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 4.49% | Includes maximum 0.35% discount for auto loan refinancing (direct deposit and automatic payments) or up to 0.60% refinance discount. Up to 54 months. |
| up to 72 months | 4.74% | Includes maximum 0.35% discount for auto loan refinancing (direct deposit and automatic payments) or up to 0.60% refinance discount. 72 months term. |
Sources (4)
- myncu.com/bank/rates-and-fees
- myncu.com/borrow/vehicle
- myncu.com/borrow/vehicle/auto-loan-refinance
- myncu.com/borrow/vehicle/auto-loans
All captured Oct 16, 2026
New Auto Loans
Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $10,000 required. Applies to vehicles 0-2 years old with fewer than 36,000 miles. Lowest advertised rate includes applicable discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 4.34% | Applies to vehicles 0-2 years old with fewer than 36,000 miles. Rate includes applicable discounts. |
| up to 72 months | 4.59% | Applies to vehicles 0-2 years old with fewer than 36,000 miles. Rate includes applicable discounts. |
Sources (4)
- myncu.com/bank/rates-and-fees
- myncu.com/borrow/vehicle
- myncu.com/borrow/vehicle/auto-loan-refinance
- myncu.com/borrow/vehicle/auto-loans
All captured Oct 6, 2026
Older Auto Loans
Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $10,000 required. Applies to vehicles 7+ years old. Lowest advertised rate includes applicable discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 4.99% | Applies to older vehicles 7+ years old. 54 months or less. Rate includes applicable discounts. |
| up to 72 months | 5.49% | Applies to older vehicles 7+ years old. 72 months term. Rate includes applicable discounts. |
Sources (3)
All captured Oct 16, 2026
Older Auto Loans Refinance
Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $10,000 required. Refinance of older vehicles (7+ years old) or other vehicle refinance. Rate includes applicable discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 5.14% | Applies to refinance of vehicles 7+ years old. 54 months or less. Rate includes applicable discounts. |
Sources (3)
All captured Oct 16, 2026
Used Auto Loans
Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $10,000 required. Applies to vehicles 3-6 years old or newer with more than 36,000 miles. Lowest advertised rate includes applicable discounts up to 0.50% (or up to 0.75% based on floor rates discount structure).
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 4.59% | Applies to used autos 3-6 years old or newer with more than 36,000 miles. Rate includes applicable discounts. |
| up to 72 months | 4.89% | Applies to used autos 3-6 years old or newer with more than 36,000 miles. Rate includes applicable discounts. |
Sources (4)
- myncu.com/bank/rates-and-fees
- myncu.com/borrow/vehicle
- myncu.com/borrow/vehicle/auto-loan-refinance
- myncu.com/borrow/vehicle/auto-loans
All captured Oct 16, 2026
Who can join Neighborhood Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals are eligible for membership if they live in the state of Texas.
Family and household
- Individuals qualify for membership simply by having a qualifying family member.
Cost to join
- Members are required to purchase and maintain a minimum membership share with a $25 deposit into a Prize Savings Account.
Membership information collected October 5, 2026.