Credit union · NCUA insured
New Horizons Credit Union Auto Loan Rates
New Horizons Credit Union auto loans start at 7.49% APR for a new vehicle. Rates checked October 22, 2026.
How New Horizons Credit Union’s auto loan rates compare
Compared with banks and credit unions near Mobile, AL, where New Horizons Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
New Horizons Credit Union
7.49%APR
- Terms
- up to 96 months
New Autos (2026, 2025 w/less than 15,000 miles)
Lowest rate
Navigator Credit Union
4.24%APR
- Terms
- up to 84 months
2nd-lowest rate
Azalea City Credit Union
4.39%APR
- Terms
- —
New Horizons Credit Union auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- New vehicleNew7.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where New Horizons 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 Auto
Conditions & Restrictions may apply. Classic car generally over 20+ years old.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 8.99% | — |
Sources (1)
- newhcu.org/loans/featured-rates · captured Oct 5, 2026
Motorcycle Loans
Up to 100% financing with approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.25% | — |
Sources (1)
- newhcu.org/loans/featured-rates · captured Oct 5, 2026
New Autos (2026, 2025 w/less than 15,000 miles)
Model years 2026, 2025 with less than 15,000 miles. Existing NHCU loans do not qualify for refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | — |
| up to 96 months | 7.49% | $65,000 minimum; No 90-day option; Max LTV 110% financing |
Sources (1)
- newhcu.org/loans/featured-rates · captured Oct 5, 2026
New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
Model years 2026, 2025 with less than 15,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.49% | — |
Sources (1)
- newhcu.org/loans/featured-rates · captured Oct 5, 2026
Refi Your Ride
Enjoy up to 2.00% APR OFF current rate from outside lender; rates no lower than 3.99% APR based on model year. Vehicle loans must be transferred from another financial institution, show a history of timely payments, and be in good standing. Existing NHCU loans do not qualify. Horizons Heroes Account perks do not apply.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Rates may be reduced up to 2.00% APR OFF current rate from outside lender, but will be no lower than 3.99% APR based on model year. Existing NHCU loans do not qualify. |
Sources (1)
- newhcu.org/loans/featured-rates · captured Oct 5, 2026
Used Auto (2014 & Older)
Model years 2014 & Older.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.25% | — |
Sources (1)
- newhcu.org/loans/featured-rates · captured Oct 5, 2026
Used Autos (2019-2015)
Model years 2019-2015.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99% | — |
Sources (1)
- newhcu.org/loans/featured-rates · captured Oct 5, 2026
Used Autos (2024-2020)
Model years 2024-2020.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | — |
Sources (1)
- newhcu.org/loans/featured-rates · captured Oct 5, 2026
Who can join New Horizons Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Mobile, Baldwin, Washington, Clarke, Monroe, or Escambia counties in Alabama, or Escambia, Santa Rosa, or Okaloosa counties in Florida are eligible for membership.
Employers and groups
- Employees of a member company are eligible for membership.
Family and household
- Persons related to a current member are eligible for membership.
Cost to join
- A $5 minimum deposit to open and maintain a primary savings (Share) account is required for membership.
Membership information collected October 4, 2026.