Credit union · NCUA insured
Northern Kentucky Federal Credit Union Auto Loan Rates
Northern Kentucky Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Northern Kentucky Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Northern Kentucky Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northern Kentucky Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- 15.25% APR
New/Used Vehicle Loans
Lowest rate
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
2nd-lowest rate
Cincinnati Interagency Federal Credit Union
4.24%APR
- Terms
- —
- Up to
- —
Northern Kentucky Federal Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northern Kentucky 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.
New/Used Vehicle Loans
Pre-approval available; finance up to 100%. 84/72 month term available on 2025-2019 model years; 60 month term available on 2018-2015 model years; 36 month term available on 2014 and older model years.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.44%–14.75% | Rate varies by credit tier (4.44% for 680+ A+/A, 5.25% for 640-679 B, 8.25% for 600-639 C, 14.75% for 599 or less D/E). |
| up to 36 months | 4.50%–14.75% | Rate varies by credit tier (4.50% for 680+ A+/A, 5.25% for 640-679 B, 8.25% for 600-639 C, 14.75% for 599 or less D/E). 36 month term available on 2014 and older model years. |
| up to 48 months | 4.75%–15.00% | Rate varies by credit tier (4.75% for 680+ A+/A, 5.50% for 640-679 B, 8.50% for 600-639 C, 15.00% for 599 or less D/E). |
| up to 60 months | 5.00%–15.25% | Rate varies by credit tier (5.00% for 680+ A+/A, 5.75% for 640-679 B, 8.75% for 600-639 C, 15.25% for 599 or less D/E). 60 month term available on 2018-2015 model years. |
| up to 72 months | 5.25%–9.00% | Rate varies by credit tier (5.25% for 680+ A+/A, 6.00% for 640-679 B, 9.00% for 600-639 C; D/E not available). 72 month loans only available on amounts of $10,000 or more; available on 2025-2019 model years. |
| up to 84 months | 5.50%–9.25% | Rate varies by credit tier (5.50% for 680+ A+/A, 6.25% for 640-679 B, 9.25% for 600-639 C; D/E not available). 84 month loans only available on amounts of $20,000 or more; available on 2025-2019 model years. |
Sources (3)
All captured Oct 5, 2026
Who can join Northern Kentucky Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.