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Auto, Boat, & RV Loans

At NCACU our consumer loan application process is fast and easy. We can finance your auto, recreational vehicle or boat. We have low rates and no application fee. 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 when you apply.

Consumer Loan Rates

Effective July 1, 2020
TypeYearAPR as low as
RV Marine2013-20185.99%
Power Sports2019-20204.99%
Compact Utility Tractors/Farm Equipment2019-20207.49%
Unsecured Products
Closed End10.00%
Christmas Loan7.00%
Line of Credit12.00%

*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. A $25 deposit is required to keep your account open. Members must qualify for the listed rates. For further loan information contact a Member Service Specialist.

**APR = Annual Percentage Rate. Actual loan rate may vary and is determined by credit worthiness.

Payment 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 NCACU offers life, short-term disability, and long-term disability insurance. 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!

Auto Insurance
Get online quotes on auto insurance through one of our trusted partners.

Our lobbies are open! We have reserved the first hour of business on Tuesdays and Thursdays for seniors and high-risk members. Under Executive Order 2020-153, visitors must wear a face covering while in the branch. We appreciate your cooperation.