Credit union · NCUA insured
NorthCountry Federal Credit Union Auto Loan Rates
Top CarrotNorthCountry Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How NorthCountry Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Burlington, VT, where NorthCountry Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NorthCountry Federal Credit Union
4.99%APR
- Terms
- up to 60 months
Vehicle Loans
2nd-lowest rate
EastRise Credit Union
5.05%APR
- Terms
- up to 60 months
3rd-lowest rate
Northfield Savings Bank
5.18%APR
- Terms
- up to 60 months
NorthCountry Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NorthCountry 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.
Vehicle Loans
Membership open to people who live, work, attend school, or worship in specified VT, NH, and NY counties, or immediate relatives of existing members; requires maintaining a $5.00 minimum balance in a share (savings) account. Finance up to 125% of vehicle value; titled vehicles only; same low rates for new and used vehicles; refinancing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.64% | APR as low as; actual rate determined by credit qualifications and chosen term, subject to credit approval; rates may change at any time. |
| up to 36 months | 4.94% | APR as low as; actual rate determined by credit qualifications and chosen term, subject to credit approval; rates may change at any time. |
| up to 48 months | 4.94% | APR as low as; actual rate determined by credit qualifications and chosen term, subject to credit approval; rates may change at any time. |
| up to 60 months | 4.99% | APR as low as; actual rate determined by credit qualifications and chosen term, subject to credit approval; rates may change at any time. |
| up to 72 months | 5.34% | APR as low as; actual rate determined by credit qualifications and chosen term, subject to credit approval; rates may change at any time. |
| up to 84 months | 5.94% | APR as low as; actual rate determined by credit qualifications and chosen term, subject to credit approval; rates may change at any time. |
| up to 96 months | 10.19% | APR as low as; actual rate determined by credit qualifications and chosen term, subject to credit approval; rates may change at any time. |
Sources (2)
All captured Oct 15, 2026
Who can join NorthCountry 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
- Membership is open to people who live, work, attend school, or worship in qualifying counties in Vermont, New Hampshire, and New York: Addison (VT), Caledonia (VT), Chittenden (VT), Clinton (NY), Coos (NH), Essex (VT), Franklin (VT), Grand Isle (VT), Grafton (NH), Lamoille (VT), Orange (VT), Orleans (VT), Rutland (VT), and Washington (VT).
Family and household
- Membership is open to immediate relatives / immediate family of existing credit union members.
Cost to join
- A minimum balance of $5.00 must be maintained in a share (savings) account to be a member of the credit union.
Membership information collected October 4, 2026.