Whether you’re looking to finance a major purchase like a home or vehicle, or need flexible options like a personal loan or credit card, North Central is here to help with competitive rates and personalized support. If you already have a loan or card balance elsewhere, check to see how much you could save by refinancing or consolidating with us. As an added benefit, we often have specials on refinance loans and balance transfers!
Lending Rates
| Type | Year | APR* as low as |
|---|---|---|
| Auto Loan Rates | 2021-2026 | 5.49% |
| 2016-2020 | 5.74% | |
| Boats/RVs | 7.24% | |
| Motorcycle, Snowmobile. ATV and PWC | Brand New | 6.99% |
| Used | 6.99% | |
| Unsecured Personal | ||
| Unsecured | 10.24% | |
| Closed End Home Equity | 6.35% | |
| Home Equity Line of Credit | 6.75%** | |
| Credit Card | ||
| Non- Rewards | 8.99% | |
| Rewards | 10.99% | |
| Cash Back | 19.99% |
Rates effective as of 04/25/2026
*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 over $50,000, loan qualifies for a discount of 1% for the first six months. See credit union for details.