Credit union · NCUA insured
New Cumberland Federal Credit Union Auto Loan Rates
New Cumberland Federal Credit Union auto loans start at 5.44% APR for a new vehicle and 5.79% for a used one. Rates checked October 16, 2026.
How New Cumberland Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near York, PA, where New Cumberland Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
New Cumberland Federal Credit Union
5.44%APR
- Terms
- —
New Car Loans
Lowest rate
Heritage Valley Federal Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
First Capital Federal Credit Union
3.99%APR
- Terms
- up to 72 months
New Cumberland Federal Credit Union auto loan score
71
Auto loan score
Higher than 28% of U.S. banks and credit unions
- New vehicleNew5.44%
- Used vehicleUsed5.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where New Cumberland 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 Car Loans
Fixed-rate financing for new vehicles with up to 110% financing plus tax, tags, extended warranty, and gap protection with qualifying credit.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.44% | With qualifying credit. |
Sources (1)
- ncfcuonline.org/borrow/auto-loans · captured Oct 6, 2026
Used Vehicle Loan – Over 10 Years Old
Fixed-rate financing for a vehicle over 10 years old, or with 110,000 to 150,000 miles. Borrow up to 90% of J.D. Power Clean Retail Value plus tax, tags, warranty, and gap protection. Vehicles over 150,000 miles are not eligible. Repay at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.80% | Vehicle over 10 years old, or with 110,000 to 150,000 miles. Vehicles over 150,000 miles are not eligible. Up to 60 months financing. |
Sources (1)
- ncfcuonline.org/borrow/auto-loans · captured Oct 6, 2026
Used Vehicle Loans – Up to 10 Years Old
Fixed-rate financing for a used vehicle up to 10 years old with less than 110,000 miles. Borrow up to 110% of J.D. Power retail value plus tax, tags, extended warranty, and gap protection with qualifying credit. Repay at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.79% | Vehicle up to 10 years old with less than 110,000 miles; qualifying credit. Up to 84 months financing. |
Sources (1)
- ncfcuonline.org/borrow/auto-loans · captured Oct 6, 2026
Who can join New Cumberland 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
- Individuals who live, work, study, worship, or volunteer in Adams, Cumberland, Dauphin, Lebanon, Perry, or York counties are eligible for membership.
Family and household
- Individuals who have a family member living in Adams, Cumberland, Dauphin, Lebanon, Perry, or York counties are eligible for membership.
Cost to join
- Opening a Regular Savings Account with at least $5.00 is required to join NCFCU.
Membership information collected October 5, 2026.