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Loan Rates

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!

Consumer Loan Rates

Effective January 1, 2024
TypeYearAPR* as low as
Auto Loan Rates2019-20246.74%
2014-20186.99%
Boats/RVs7.74%
Motorcycle, Snowmobile. ATV and PWC Brand New7.24%
Used7.49%
Unsecured Products
Unsecured10.24%
Credit Repair14.00%
Closed End Home Equity8.00%
Home Equity Line of Credit8.50%**
Credit Card
Non- Rewards8.99%
Rewards10.99%
Cash Back19.99%

*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 less than $50,000, a fee will be applied to cover the cost of appraisal. See credit union for details.