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Loan Rates

At NCACU our consumer loan application process HAS CHANGED!  Rates have DROPPED, Terms EXTENDED and applying is fast, easy, and FREE! 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 of our Re-Fi special when you apply.

Consumer Loan Rates

Effective June 1, 2023
TypeYearAPR as low as
Direct Loan Rates2018--20236.24%
Motorcycle, Snowmobile. ATV and PWC Brand New6.99%
Unsecured Products
Credit Repair14.00%

*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.

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, NCACU 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!

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

Our Hours Are Changing July 1! Read More HERE!