Credit union · NCUA insured
NGM Employees FCU Auto Loan Rates
NGM Employees FCU auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 22, 2026.
How NGM Employees FCU’s auto loan rates compare
Compared with banks and credit unions near Keene, NH, where NGM Employees FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NGM Employees FCU
4.75%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New and Used Car Loans
Lowest rate
Service Credit Union
4.74%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
Precision Federal Credit Union
5.49%APR
- Terms
- 60–84 months
- Up to
- 16.24% APR
- Discount
- None included
NGM Employees FCU auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NGM Employees FCU 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 and Used Car Loans
Requirements include completed loan application, Experian credit report ($10.00 fee), verification of income, debt to income ratio, Carfax for vehicle (free of charge), full coverage insurance to obtain loan. No prepayment or early pay off fees. Extended Warranties and GAP Insurance offered.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.00% | Model Year 2025-2026; Financing up to 100% |
| up to 36 months | 4.25% | Model Year 2025-2026; Financing up to 100% |
| up to 48 months | 4.50% | Model Year 2025-2026; Financing up to 100% |
| up to 60 months | 4.75% | Model Year 2025-2026; Financing up to 100% |
| up to 72 months | 5.00% | Model Year 2025-2026; Financing up to 100% |
| up to 84 months | 5.50% | Model Year 2025-2026; Financing up to 100% |
| up to 24 months | 4.25% | Model Year 2023-2024; Financing up to 100% |
| up to 36 months | 4.50% | Model Year 2023-2024; Financing up to 100% |
| up to 48 months | 4.75% | Model Year 2023-2024; Financing up to 100% |
| up to 60 months | 5.00% | Model Year 2023-2024; Financing up to 100% |
| up to 72 months | 5.25% | Model Year 2023-2024; Financing up to 100% |
| up to 24 months | 4.50% | Model Year 2020-2022; Financing up to 90% |
| up to 36 months | 4.75% | Model Year 2020-2022; Financing up to 90% |
| up to 48 months | 5.00% | Model Year 2020-2022; Financing up to 90% |
| up to 60 months | 5.25% | Model Year 2020-2022; Financing up to 90% |
| up to 24 months | 5.00% | Model Year 2013-2019; Financing up to 90% |
| up to 36 months | 5.25% | Model Year 2013-2019; Financing up to 90% |
| up to 48 months | 5.50% | Model Year 2013-2019; Financing up to 90% |
| up to 60 months | 5.75% | Model Year 2013-2019; Financing up to 90% |
Who can join NGM Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership includes individuals associated with Main Street America Group and select vendors.
Family and household
- Family members of eligible employees (including spouse/partner, child/grandchild, parents/siblings/grandparents) are eligible to join.
Membership information collected October 4, 2026.