Northern Credit Union Auto Loan Rates

How Northern Credit Union’s auto loan rates compare

Compared with banks and credit unions near Watertown, NY, where Northern Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Northern Credit Union
4.99%APR
Terms
—
Auto Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
Terms
37–60 months
Navy Federal Credit Union rates
2nd-lowest rate
AmeriCU Credit Union
4.74%APR
Terms
up to 84 months
AmeriCU Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 62% of U.S. banks and credit unions

By vehicle

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.

How the score works →

Where Northern 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

Rates as low as advertised and vary based on creditworthiness, age of vehicle, and loan terms. Credit union membership required. Finance up to 125% of MSRP for new or JD Power retail value for used vehicles (LTV 95% to 125%). Vehicles 6 years or older receive personal loan rates. Low rates on new and used vehicles. Flexible terms up to 96 months. Instant approvals. FREE Auto Pay from your Northern Checking account.

Terms	APR	Conditions
up to 48 months	4.99%	Fixed APR as low as 4.99% for 48-month term. Sample payment $805.87 based on $35,000 loan. Low rates on new and used vehicles. Vehicles 6 years or older will receive personal loan rates. Credit union membership is required. Finance up to 125% of MSRP for new or JD Power retail value for used vehicles.
up to 60 months	4.99%	Fixed APR as low as 4.99% for 60-month term. Sample payment $660.33 based on $35,000 loan. Low rates on new and used vehicles. Vehicles 6 years or older will receive personal loan rates. Credit union membership is required. Finance up to 125% of MSRP for new or JD Power retail value for used vehicles.
up to 72 months	5.29%	Fixed APR as low as 5.29% for 72-month term. Sample payment $568.46 based on $35,000 loan. Low rates on new and used vehicles. Vehicles 6 years or older will receive personal loan rates. Credit union membership is required. Finance up to 125% of MSRP for new or JD Power retail value for used vehicles.
up to 84 months	5.99%	Fixed APR as low as 5.99% for 84-month term. Sample payment $511.21 based on $35,000 loan. Low rates on new and used vehicles. Vehicles 6 years or older will receive personal loan rates. Credit union membership is required. Finance up to 125% of MSRP for new or JD Power retail value for used vehicles.
up to 96 months	6.24%	Fixed APR as low as 6.24% for 96-months term. Sample payment $464.14 based on $35,000 loan. Low rates on new and used vehicles. Vehicles 6 years or older will receive personal loan rates. Credit union membership is required. Finance up to 125% of MSRP for new or JD Power retail value for used vehicles.
—	4.99%	$5 credit union membership deposit required. Vehicles older than 6 years receive personal loan rates. Finance up to 125% of MSRP for new or JD Power retail value for used vehicles (LTV 95% to 125%). Promotional cash back of $500 on approved new/used auto loans (min $20,000 financed) or $150 cash back on approved refinanced auto loans (min $20,000 refinanced).

Sources (4)

All captured Oct 5, 2026

NEXT Auto Loan

Membership required. Vehicles 6 years or older receive personal loan rates. New or used vehicles eligible. Cash back: $500 for new/used financing ($20k min); $150 for refinancing ($20k min).

Terms	APR	Conditions
up to 48 months	4.99%	—
up to 60 months	4.99%	—
up to 72 months	5.29%	—
up to 84 months	5.99%	—
up to 96 months	6.24%	—
up to 48 months	4.99%	Fixed APR as low as 4.99% for 48-month term. Sample payment $805.87 based on $35,000 loan. Low rates on new and used vehicles. Borrow as little as $5,000. Take up to 84 months to pay it back. Finance up to 115% of MSRP for new or JD Power retail value for used vehicles (up to 125% with warranty). Vehicles 6 years or older receive personal loan rates. Credit union membership required.
up to 60 months	4.99%	Fixed APR as low as 4.99% for 60-month term. Sample payment $660.33 based on $35,000 loan. Low rates on new and used vehicles. Borrow as little as $5,000. Take up to 84 months to pay it back. Finance up to 115% of MSRP for new or JD Power retail value for used vehicles (up to 125% with warranty). Vehicles 6 years or older receive personal loan rates. Credit union membership required.
up to 72 months	5.29%	Fixed APR as low as 5.29% for 72-month term. Sample payment $568.46 based on $35,000 loan. Low rates on new and used vehicles. Borrow as little as $5,000. Take up to 84 months to pay it back. Finance up to 115% of MSRP for new or JD Power retail value for used vehicles (up to 125% with warranty). Vehicles 6 years or older receive personal loan rates. Credit union membership required.
up to 84 months	5.99%	Fixed APR as low as 5.99% for 84-month term. Sample payment $511.21 based on $35,000 loan. Low rates on new and used vehicles. Borrow as little as $5,000. Take up to 84 months to pay it back. Finance up to 115% of MSRP for new or JD Power retail value for used vehicles (up to 125% with warranty). Vehicles 6 years or older receive personal loan rates. Credit union membership required.
up to 96 months	6.24%	Fixed APR as low as 6.24% for 96-month term. Sample payment $464.14 based on $35,000 loan. Low rates on new and used vehicles. Borrow as little as $5,000. Take up to 84 months to pay it back. Finance up to 115% of MSRP for new or JD Power retail value for used vehicles (up to 125% with warranty). Vehicles 6 years or older receive personal loan rates. Credit union membership required. Note: Although 96-month rate is displayed in table, NEXT Auto Loan narrative states terms take up to 84 months.

Sources (3)

All captured Oct 5, 2026

Who can join Northern Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Open to anyone

Membership is available to members of the American Consumer Council (ACC), with complimentary ACC membership offered so anyone living outside the local communities can qualify.

Where you live or work

Individuals who live, work, worship, attend school, or regularly do business in Northern New York or communities currently served are eligible for membership.

Family and household

Immediate family members of current or eligible Northern members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, or adoptive relationship) are eligible for membership.

Cost to join

A minimum deposit of $5 into a savings account is required to maintain membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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