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Rates

Vehicle Loans Investment Rates Lending Rates Fees

Effective as of: May 4, 2020
New Vehicle and Motorcycle Loans
The Credit Union offers fixed-rate financing for new vehicles for terms up to 84 months. We finance up to 100% of the Manufacturer's Suggested Retail Price (MSRP) plus purchase related expenses such as tax, title transfer, documentatin fee, warranties, etc.
• Must be prior, current or upcoming year model with 10,000 miles or less
• Lending is limited to residents of North Carolina
• Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats and RVs are not acceptable collateral
• Must have collision and comprehensive insurance protection with a maximum deductible of $1,000 for the duration of the loan
• Members must be 18 years of age or older to be eligible for lending services
• The vehicle title will be held as collateral until the loan is repaid
• May be repaid at any time without penalty
Rates
Up to 60 Month Terms 3.00% - 8.00% APR
61 - 72 Month Terms 3.50% - 8.50% APR
73 - 96 Month Terms 4.00% - 9.00% APR
Used Vehicle and Motorcycle Loans
The Credit Union offers fixed rate financing for used vehicles. For the purchase of a used vehicle, we will finance up to 100% of the retail price shown in the NADA price guide plus related expenses such as tax, title transfer, documentatin fee, warranties, etc.
• Lending is limited to residents of North Carolina
• Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats and RVs are not acceptable collateral
• Must have collision and comprehensive insurance protection with a maximum deductible of $1,000 for the duration of the loan
• Members must be 18 years of age or older to be eligible for lending services
• The vehicle title will be held as collateral until the loan is repaid and may be repaid at anytime without penalty
Used Vehicle and Motorcyle less than 10 years
Up to 48 Month Terms3.50% - 8.50% APR
49 - 60 Month Terms3.75% - 8.75% APR
61 - 72 Month Terms4.00% - 9.00% APR
Used Vehicle and Motorcyles 10 years or greater
Up to 36 Month Terms5.25% - 10.25% APR
Classic Cars
Up to 60 Month terms5.75% - 10.75

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An account may be opened by filling out a membership card and producing picture identification and a Social Security Card. Membership Cards are available at each office. The minimum balance required is $5.00. Your family may join as well, which also includes persons living in the same residence.

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