Credit union · NCUA insured
State Employees' Credit Union Auto Loan Rates
Top CarrotState Employees' Credit Union auto loans start at 4.25% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How State Employees' Credit Union’s auto loan rates compare
Compared with banks and credit unions near Raleigh, NC, where State Employees' Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
New Auto Loans
Lowest rate
Welcome Federal Credit Union
3.50%APR
- Terms
- 60–84 months
- Up to
- —
2nd-lowest rate
ElecTel Cooperative Federal Credit Union
3.65%APR
- Terms
- up to 84 months
- Up to
- —
State Employees' Credit Union auto loan score
90
Auto loan score
Higher than 91% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where State Employees' 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 Auto Loans
Member, age 18+, residents of North Carolina, South Carolina, Georgia, Tennessee, or Virginia with titled vehicles. New vehicles only, must be prior, current, or upcoming model year, with 10,000 miles or less. Members may qualify for an additional 0.50% interest rate discount if they are a current full-time or retired employee of the state of North Carolina (including public school employees) with state payroll or retirement benefits on direct deposit of at least $500 per month. Rates subject to change prior to completion; actual APR determined at disbursement based on credit score, collateral, and terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75%–7.00% | New auto loan; 36-month term; 10,000 miles or less. |
| up to 48 months | 4.00%–7.25% | New auto loan; 48-month term; 10,000 miles or less. |
| up to 60 months | 4.25%–7.50% | New auto loan; 60-month term; 10,000 miles or less. |
| up to 72 months | 4.50%–7.75% | New auto loan; 72-month term; 10,000 miles or less. |
| up to 84 months | 5.25%–8.50% | New auto loan; 84-month term; 10,000 miles or less. |
| up to 96 months | 6.00%–9.25% | New auto loan; 96-month term; 10,000 miles or less. |
Sources (3)
- ncsecu.org/loans/auto-loans
- ncsecu.org/loans/auto-loans/auto-loans-campaign
- ncsecu.org/rates-fees/lending-rates
All captured Oct 4, 2026
Used Auto Loans
For members 18 years or older. Lending is limited to North Carolina, South Carolina, Georgia, Tennessee, and Virginia residents and titled vehicles. Vehicles less than 10 years old with 150,000 miles or less. Rate discount of 0.50% available to qualifying NC state employees/retirees with direct deposit. Collision and comprehensive insurance coverage with maximum deductible of $1,000 required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50%–8.50% | For vehicles 0-5 years old. |
| up to 48 months | 4.75%–8.75% | For vehicles 0-5 years old. |
| up to 60 months | 5.00%–9.00% | For vehicles 0-5 years old. |
| up to 72 months | 5.25%–9.25% | For vehicles 0-5 years old. |
| up to 36 months | 5.00%–9.50% | For vehicles 6-10 years old. |
| up to 48 months | 5.25%–9.75% | For vehicles 6-10 years old. |
| up to 60 months | 5.50%–10.00% | For vehicles 6-10 years old. |
| up to 72 months | 5.75%–10.25% | For vehicles 6-10 years old. |
| up to 72 months | 4.50% | Promotional campaign rate headline 'as low as 4.50% APR'. |
Sources (3)
- ncsecu.org/loans/auto-loans
- ncsecu.org/rates-fees/lending-rates
- ncsecu.org/loans/auto-loans/auto-loans-campaign
All captured Oct 4, 2026
Who can join State Employees' Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active (including part-time) and former employees of BCBSNC Credit Union are eligible for membership.
- Active (including part-time) and former employees of Blue Cross Blue Shield of North Carolina, Inc. are eligible for membership.
- Active (including part-time) and former employees of any subsidiary organization of Blue Cross Blue Shield of North Carolina, Inc. are eligible for membership.
- Active (including part-time) and former employees of Cahaba Benefit Administrators, a division of Blue Cross and Blue Shield of Alabama (located in NC), are eligible for membership.
- Active (including part-time) and former employees of Manpower Group who work at BCBSNC are eligible for membership.
- Active (including part-time) and former employees of Palmetto Government Business Administrators, a division of Blue Cross Blue Shield of South Carolina (located in NC), are eligible for membership.
12 more ways to join
Employers and groups
- Active (including part-time) and former employees of Topaz Shared Services, Durham, NC are eligible for membership.
Military, government and schools
- Employees of federal agencies assigned to North Carolina state agencies are eligible for membership.
- Employees of North Carolina public boards of education are eligible for membership.
- Employees of North Carolina county departments of Social Services, Health, Mental Health, and Civil Defense (i.e., Emergency Management) are eligible for membership.
- Employees of associations formed for the benefit of state of North Carolina employees (e.g., State Employees Association of North Carolina) are eligible for membership.
- Members of the North Carolina National Guard are eligible for membership.
- Employees of agencies or departments whose employees are otherwise subject to the North Carolina State Personnel Act (now known as the North Carolina Human Resources Act), with certain exclusions, are eligible for membership.
- Employees of the state of North Carolina are eligible for membership.
- Individuals retired as pensioners and/or annuitants from qualifying state, education, county department, association, assigned federal, or National Guard employment or service are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships) of an existing member are eligible for membership.
- Persons living in the same residence maintaining a single economic unit with a current member are eligible for membership.
- Un-remarried spouses of persons who died while in the field of membership are eligible for membership.
Cost to join
- Membership requires opening a share account with a minimum deposit of $25 (at least five shares at $5 each), or $5 (one share) for children under 13 years of age.
Membership information collected October 4, 2026.