Credit union · NCUA insured
New Century Federal Credit Union Auto Loan Rates
Top CarrotNew Century Federal Credit Union auto loans start at 4.40% APR for a new vehicle and 4.65% for a used one. Rates checked October 16, 2026.
How New Century Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where New Century Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
New Century Federal Credit Union
4.40%APR
- Terms
- 37–60 months
- Up to
- 11.15% APR
- Discount
- None included
New Auto or Truck (2025 & newer)
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
New Century Federal Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.40%
- Used vehicleUsed4.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where New Century 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.
New Auto or Truck (2025 & newer)
Model year 2025 and newer. Subject to credit approval; not all applicants may qualify for the fixed base rate; rate determined by credit history. New Century FCU defines a new vehicle as never titled, or a current-year model refinanced within 6 months of purchase. Finance up to 120% of MSRP for qualified borrowers. Terms available up to 84 months. Up to 0.50% rate reduction with loyalty rewards.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 3.90%–10.65% | APR range for 12-36 month term. Subject to credit approval; not all applicants may qualify for the fixed base rate; rate determined by credit history. No annual fee. |
| 37–60 months | 4.40%–11.15% | APR range for 37-60 month term. Subject to credit approval; not all applicants may qualify for the fixed base rate; rate determined by credit history. No annual fee. |
| 61–72 months | 4.90%–11.65% | APR range for 61-72 month term. Subject to credit approval; not all applicants may qualify for the fixed base rate; rate determined by credit history. No annual fee. |
| 73–84 months | 5.40%–12.15% | APR range for 73-84 month term. Subject to credit approval; not all applicants may qualify for the fixed base rate; rate determined by credit history. No annual fee. |
Sources (2)
All captured Oct 6, 2026
Used Auto or Truck (2020 and older)
Model year 2020 and older. Subject to credit approval; not all applicants may qualify for the fixed base rate; rate determined by credit history. Finance up to 120% of NADA retail for a qualified borrower. Page copy states vehicles older than 5 years have a maximum repayment term of 48 months and special interest rates apply. Collector cars are subject to a qualified appraisal. Up to 0.50% rate reduction with loyalty rewards.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.90%–11.65% | APR range for 12-36 month term. Subject to credit approval; not all applicants may qualify for the fixed base rate; rate determined by credit history. No annual fee. |
| 37–60 months | 5.40%–12.15% | APR range for 37-60 month term on the rate schedule. Vehicle loan page states vehicles older than 5 years have a maximum repayment term of 48 months and special interest rates apply. Subject to credit approval; not all applicants may qualify for the fixed base rate; rate determined by credit history. No annual fee. |
Sources (2)
All captured Oct 6, 2026
Used Auto or Truck (2021 - 2024)
Model years 2021-2024. Subject to credit approval; not all applicants may qualify for the fixed base rate; rate determined by credit history. Finance up to 120% of NADA retail for a qualified borrower. Used vehicles 5 years old or less have terms available up to 72 months. Up to 0.50% rate reduction with loyalty rewards.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.15%–10.90% | APR range for 12-36 month term. Subject to credit approval; not all applicants may qualify for the fixed base rate; rate determined by credit history. No annual fee. |
| 37–60 months | 4.65%–11.40% | APR range for 37-60 month term. Subject to credit approval; not all applicants may qualify for the fixed base rate; rate determined by credit history. No annual fee. |
| 61–72 months | 5.15%–11.90% | APR range for 61-72 month term. Subject to credit approval; not all applicants may qualify for the fixed base rate; rate determined by credit history. No annual fee. |
Sources (2)
All captured Oct 6, 2026
Who can join New Century Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone living or working on the east side of Joliet or specific areas of Crest Hill, Lockport, or Rockdale.
Employers and groups
- Membership is open to individuals who work for one of New Century's partner payroll groups.
Family and household
- Membership is open to immediate family members of a New Century FCU member.
Membership information collected October 5, 2026.