Credit union · NCUA insured
North Central Area Credit Union Auto Loan Rates
Top CarrotNorth Central Area Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How North Central Area Credit Union’s auto loan rates compare
Compared with banks and credit unions near Grand Rapids, MI, where North Central Area Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
North Central Area Credit Union
5.49%APR
Auto Loans
Lowest rate
Meijer Credit Union
4.24%APR
2nd-lowest rate
GR Consumers Credit Union
4.25%APR
North Central Area Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where North Central Area 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
No application fees and no down payment required. Financing available for new and used cars, trucks, and classic cars. Must be a member in good standing.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Vehicle model years 2021-2026. Actual loan rate determined by creditworthiness. |
| — | 5.74% | Vehicle model years 2016-2020. Actual loan rate determined by creditworthiness. |
Motorcycle, Snowmobile, ATV and PWC Loans
Financing for brand new and used motorcycles, snowmobiles, ATVs, and PWCs. No application fees and no down payment required. Must be a member in good standing.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.99% | Brand New. Actual loan rate determined by creditworthiness. |
Who can join North Central Area Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Michigan is eligible to join.
Membership information collected October 5, 2026.