Credit union · NCUA insured
Northern Colorado Credit Union Auto Loan Rates
Northern Colorado 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 Northern Colorado Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fort Collins, CO, where Northern Colorado Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northern Colorado Credit Union
4.99%APR
- Terms
- —
- Discount
- None included
Auto Loans
Lowest rate
Meridian Trust Federal Credit Union
4.74%APR
- Terms
- up to 96 months
- Discount
- Included in the rate
2nd-lowest rate
First Tech Federal Credit Union
4.99%APR
- Terms
- up to 65 months
- Discount
- None included
Northern Colorado 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 Northern Colorado 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
Rate and APR depend on individual credit history, vehicle year, and loan term. Standard underwriting guidelines apply. Open to anyone who works or lives in Larimer, Weld, Morgan, Logan, and Washington County.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Rates as low as 4.99% APR. Rate and APR depend on member's credit history, vehicle year, and term of loan. |
| up to 48 months | 4.99% | Promotional rate. Indirect auto loans not eligible. Must mention advertisements to receive special rate. New money only (new purchase or refinance from another institution). Minimum loan amount $10,000. Applications must be received between 10/14/2024 and 11/15/2024 and close by 11/22/2024. Open to anyone who works or lives in Larimer, Weld, or Morgan County. |
Sources (3)
All captured Oct 7, 2026
Who can join Northern Colorado 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This may be incomplete or out of date, so check with the credit union before you apply.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 everyone living and working in Weld, Larimer, Morga, Logan, and Washington County communities.
Membership information collected October 4, 2026.