At North Central 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.
- Online Loan Application – Apply Today!
- NADA Vehicle Pricing Information
- http://carfax4cu.com– There is a non-credit union service fee associated with this service.
- NCACU Branch Contact Numbers
- Confirm Insurance
Consumer Loan Rates
Effective November 1, 2023| Type | Year | APR* as low as |
|---|---|---|
| Auto Loan Rates | 2018-2023 | 6.74% |
| 2013-2017 | 6.99% | |
| Boats/RVs | 7.74% | |
| Motorcycle, Snowmobile. ATV and PWC | Brand New | 7.24% |
| Used | 7.49% | |
| Unsecured Products | ||
| Unsecured | 10.24% | |
| Credit Repair | 14.00% | |
| Closed End Home Equity | 8.00% | |
| Home Equity Line of Credit | 8.50%** | |
| Credit Card | ||
| Rewards | 10.99% |
*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.
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!
Auto Insurance
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