Credit union · NCUA insured
North Iowa Community Credit Union Auto Loan Rates
North Iowa Community Credit Union auto loans start at 5.49% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How North Iowa Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Mason City, IA, where North Iowa Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
North Iowa Community Credit Union
5.49%APR
- Terms
- up to 60 months
New/Program Vehicles - 750+ Beacon Score
Lowest rate
CENT Credit Union
4.99%APR
- Terms
- up to 60 months
2nd-lowest rate
Iowa Heartland Credit Union
5.25%APR
- Terms
- —
North Iowa Community Credit Union auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where North Iowa Community 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/Program Vehicles - 750+ Beacon Score
Requires 750+ Beacon Score. Pre-approved interest rate locked for 45 days. No application or transfer fees for refinancing. Sample repayment schedule does not include taxes and insurance premiums. All loans are subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.64% | Rates as low as 5.64% APR for 84 Months. Assumes 750+ Beacon score. |
| up to 72 months | 5.59% | Rates as low as 5.59% APR for 72 Months. Assumes 750+ Beacon score. Sample repayment schedule of a new auto: 72 monthly payments of $16.13 at 5.59% APR per $1,000 borrowed. |
| up to 66 months | 5.54% | Rates as low as 5.54% APR for 66 Months. Assumes 750+ Beacon score. |
| up to 60 months | 5.49% | Rates as low as 5.49% APR for 60 Months. Assumes 750+ Beacon score. |
| up to 48 months | 5.34% | Rates as low as 5.34% APR for 48 Months. Assumes 750+ Beacon score. |
Used Vehicles 2018-2020
For model years 2018-2020. Pre-approved interest rate locked for 45 days. No application or transfer fees for refinancing. All loans are subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.59% | Rates as low as 6.59% APR for 72 Months. |
| up to 60 months | 6.49% | Rates as low as 6.49% APR for 60 Months. |
| up to 48 months | 6.34% | Rates as low as 6.34% APR for 48 Months. |
Used Vehicles 2021-2023
For model years 2021-2023. Pre-approved interest rate locked for 45 days. No application or transfer fees for refinancing. All loans are subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.14% | Rates as low as 6.14% APR for 84 Months. |
| up to 72 months | 6.09% | Rates as low as 6.09% APR for 72 Months. |
| up to 66 months | 6.04% | Rates as low as 6.04% APR for 66 Months. |
| up to 60 months | 5.99% | Rates as low as 5.99% APR for 60 Months. |
| up to 48 months | 5.84% | Rates as low as 5.84% APR for 48 Months. |
Who can join North Iowa Community 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 reside in or work in Butler, Cerro Gordo, Franklin, Floyd, Hancock, Mitchell, Winnebago, Worth, or Wright Counties are eligible for membership.
Family and household
- Family members of members—including spouses, children, parents, brothers, sisters, grandparents, and grandchildren—are eligible to join.
Cost to join
- An initial $25 deposit is required to open a Membership Savings Account and maintain membership.
- Members under 16 require an initial $5 deposit to open an account.
Membership information collected October 4, 2026.