Loan Rates from NCCYou
Check out our Competitive Loan Rates
Effective April 20, 2026 (subject to change)
New Auto - loan rates start at
Months
APR*
24 months
4.75%
36 months
5.00%
48 months
5.50%
60 months
5.75%
72 months
6.25%
84 months
6.50%
Used Auto - loan rates start at
Months
APR*
24 months
5.50%
36 months
5.75%
48 months
6.00%
60 months
6.25%
72 months
7.00%
84 months
7.25%
Credit Builder Auto - loan rates start at
Months
APR*
24 months
9.75%
36 months
10.00%
48 months
10.25%
60 months
10.50%
72 months
10.75%
Unsecured - loan rates start at
Months
APR*
24 months
11.00%
36 months
11.25%
48 months
11.50%
60 months
12.25%
Recreational Vehicles - loan rates start at
Months
APR*
24 months
5.75%
36 months
6.00%
48 months
6.25%
60 months
6.50%
72 months
6.75%
84 months
7.00%
120 months
8.00%
180 months
9.00%
Campers/Motorhomes - loan rates start at
Months
APR*
24 months
6.00%
36 months
6.25%
48 months
6.50%
60 months
6.75%
120 months
7.25%
180 months
7.75%
Other Goods - loan rates start at
Months
APR*
24 months
6.00%
36 months
6.25%
48 months
6.50%
60 months
7.00%
120 months
7.50%
180 months
8.00%
VISA Credit Cards - rates
Card
APR*
Credit Builder Classic
14.90%
Classic
14.90%
Platinum
9.90%
Student Loans/Refinance - loan rates start at
College Loans
APR*
Private Student Loan
6.00%
Student Loan Refinancing
4.50%
* APR = Annual Percentage Rate.
Rates and terms are subject to change at any time without notice.
Your actual rate may be different depending on your payment and credit history. Some restrictions may apply.
New or existing membership at Northern Communities Credit Union is required.
