Credit union · NCUA insured
Northern Communities Credit Union (NCCYou) Auto Loan Rates
Northern Communities Credit Union (NCCYou) auto loans start at 5.75% APR for a new vehicle and 6.25% for a used one. Rates checked October 16, 2026.
How Northern Communities Credit Union (NCCYou)’s auto loan rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Northern Communities Credit Union (NCCYou) has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northern Communities Credit Union (NCCYou)
5.75%APR
- Terms
- up to 60 months
New Auto
Lowest rate
Harbor Pointe Credit Union
3.95%APR
- Terms
- up to 60 months
2nd-lowest rate
Hibbing Cooperative Credit Union
4.59%APR
- Terms
- up to 60 months
Northern Communities Credit Union (NCCYou) auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northern Communities Credit Union (NCCYou) 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.
Credit Builder Auto
Designed for members with no credit or challenged credit histories to purchase a vehicle while building/repairing credit. New or existing membership at Northern Communities Credit Union is required. Actual rate may be different depending on payment and credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 9.75% | Rates start at stated APR. |
| up to 36 months | 10.00% | Rates start at stated APR. |
| up to 48 months | 10.25% | Rates start at stated APR. |
| up to 60 months | 10.50% | Rates start at stated APR. |
| up to 72 months | 10.75% | Rates start at stated APR. |
New Auto
New or existing membership at Northern Communities Credit Union is required. Actual rate may be different depending on payment and credit history. Financing up to 125% available including tax, license, and fees. No payments for up to 45 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.75% | Rates start at stated APR. |
| up to 36 months | 5.00% | Rates start at stated APR. |
| up to 48 months | 5.50% | Rates start at stated APR. |
| up to 60 months | 5.75% | Rates start at stated APR. |
| up to 72 months | 6.25% | Rates start at stated APR. |
| up to 84 months | 6.50% | Rates start at stated APR. |
Sources (4)
All captured Oct 5, 2026
Used Auto
New or existing membership at Northern Communities Credit Union is required. Actual rate may be different depending on payment and credit history. Financing up to 125% available including tax, license, and fees. No payments for up to 45 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.50% | Rates start at stated APR. |
| up to 36 months | 5.75% | Rates start at stated APR. |
| up to 48 months | 6.00% | Rates start at stated APR. |
| up to 60 months | 6.25% | Rates start at stated APR. |
| up to 72 months | 7.00% | Rates start at stated APR. |
| up to 84 months | 7.25% | Rates start at stated APR. |
Who can join Northern Communities Credit Union (NCCYou)
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 anyone who lives, works, worships, or attends school in St. Louis County, MN.
Family and household
- Membership is open to the spouse, blood, or adoptive relative of a member.
Cost to join
- A $5 opening deposit in a Regular Share Savings account establishes membership and represents a member's share in the cooperative.
Membership information collected October 4, 2026.