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Secured Loans

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 September 1, 2022
TypeYearAPR as low as
Auto and Motorcycle2017-New3.75%
2011-20163.75%
Boats/RVs2017-New4.50%
2010-20165.50%
All Other Secured2012 and newer4.50%
Unsecured Products
Closed End6.50%
Christmas LoanN/A

*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
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