At North Central we can finance your auto, motorcycle, recreational vehicle, classic car or boat. If you have already made your purchase, check our rates to see if we can save you money. Ask your Member Service Specialist for details on our refinance special when you apply.
Debt Protection Plans
It’s important that you are confident that you can make your loan payments even when something unforeseen happens. For a low monthly fee, North Central offers life plus, disability, and involuntary unemployment debt protection plans. It is our way of offering you peace of mind. Ask your Member Service Specialist for details when you apply.
Need GAP Information
Avoid paying for collateral you can’t even use by choosing Guaranteed Asset Protection (GAP) on your next loan. For a small fee our GAP plan may give you some piece of mind. Ask your Member Service Specialist about GAP protection today!
- Online Loan Application – Apply Today!
- http://carfax4cu.com– There is a non-credit union service fee associated with this service.
Consumer Loan Rates
| Type | Year | APR* as low as |
|---|---|---|
| Auto Loan Rates | 2019-2024 | 6.24% |
| 2014-2018 | 6.49% | |
| Boats/RVs | 7.74% | |
| Motorcycle, Snowmobile. ATV and PWC | Brand New | 7.24% |
| Used | 7.49% | |
| Unsecured Personal | ||
| Unsecured | 10.24% | |
| Closed End Home Equity | 6.50% | |
| Home Equity Line of Credit | 8.00%** | |
| Credit Card | ||
| Non- Rewards | 8.99% | |
| Rewards | 10.99% | |
| Cash Back | 19.99% |
Rates effective as of 12/21/2024
*APR = Annual Percentage Rate. Actual loan rate may vary and is determined by credit worthiness. Loan rates and terms are subject to change without notice. To obtain a loan from North Central Area Credit Union you must be a member in good standing. Members must qualify for the listed rates. For further loan information contact a Member Service Specialist.
**If the balance is over $50,000, loan qualifies for a discount of 1% for the first six months. See credit union for details.