Auto Loans · North Carolina
56 credit unions in North Carolina report car loan rates to the NCUA. Rates range from 2.49% to 10.00%.
Updated Q1 2026 · NCUA Call Report data
56
CUs Reporting Rates
2.49%
Lowest New Car Rate
5.65%
State Average Rate
36
Cities Covered
56 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SELF-HELP DURHAM | 2.49% | 9.75% |
| 2 | INTERNAL REVENUE EMPLOYEES GREENSBORO | 2.90% | 2.90% |
| 3 | GREENSBORO GREENSBORO | 3.00% | 5.00% |
| 4 | CAROLINA COOPERATIVE Charlotte | 3.09% | 6.36% |
| 5 | EMERGENCY RESPONDERS Winston Salem | 3.75% | 5.35% |
| 6 | VISION FINANCIAL Durham | 4.25% | 4.75% |
| 7 | BLUE FLAME Charlotte | 4.39% | 4.79% |
| 8 | MARINE Jacksonville | 4.40% | 6.50% |
| 9 | CS Catawba | 4.46% | 4.91% |
| 10 | CAROLINA CHERRYVILLE | 4.49% | 4.99% |
| 11 | TELCO COMMUNITY CREDIT UNION Candler | 4.49% | 4.59% |
| 12 | OTEEN V. A. ASHEVILLE | 4.49% | 6.49% |
| 13 | WELCOME MORRISVILLE | 4.50% | 5.00% |
| 14 | FIRST CAROLINA PEOPLE'S GOLDSBORO | 4.50% | 6.25% |
| 15 | ELECTEL COOPERATIVE Raleigh | 4.50% | 4.70% |
| 16 | HSM HICKORY | 4.63% | 7.70% |
| 17 | DUKE UNIVERSITY Durham | 4.99% | 4.99% |
| 18 | SKYLA Charlotte | 4.99% | 5.50% |
| 19 | SHUFORD Hickory | 5.01% | 6.44% |
| 20 | ACCLAIM GREENSBORO | 5.10% | 6.78% |
| 21 | TRULIANT Winston Salem | 5.14% | 6.49% |
| 22 | CAROLINAS TELCO Charlotte | 5.14% | 6.48% |
| 23 | STATE EMPLOYEES' RALEIGH | 5.25% | 5.75% |
| 24 | CIVIC RALEIGH | 5.25% | 3.95% |
| 25 | NORTH CAROLINA PRESS ASSOCIATION RALEIGH | 5.25% | 5.75% |
| 26 | GUCO Greenville | 5.47% | 6.66% |
| 27 | HEALTHSHARE Greensboro | 5.49% | 5.99% |
| 28 | FIRST FLIGHT CARY | 5.50% | 5.50% |
| 29 | LION'S SHARE Salisbury | 5.50% | 5.75% |
| 30 | ARCADE Asheville | 5.50% | 6.50% |
| 31 | WEYCO COMMUNITY PLYMOUTH | 5.50% | 6.00% |
| 32 | LATINO COMMUNITY Durham | 5.75% | 8.25% |
| 33 | TCP RURAL HALL | 5.75% | 6.85% |
| 34 | PIEDMONT ADVANTAGE CREDIT UNION Winston Salem | 5.79% | 6.00% |
| 35 | ALLEGACY Winston Salem | 5.86% | 6.14% |
| 36 | NOVA CHARLOTTE | 5.99% | 5.99% |
| 37 | COASTAL Raleigh | 5.99% | 6.59% |
| 38 | CHAMPION Canton | 6.00% | 7.00% |
| 39 | BRAGG MUTUAL Fayetteville | 6.00% | 6.25% |
| 40 | CHARLOTTE FIRE DEPARTMENT Charlotte | 6.06% | 6.62% |
| 41 | FORT BRAGG Fayetteville | 6.15% | 5.60% |
| 42 | LITHIUM BESSEMER CITY | 6.25% | 10.25% |
| 43 | NORTH CAROLINA COMMUNITY GOLDSBORO | 6.29% | 6.74% |
| 44 | TELCO TARBORO | 6.30% | 10.40% |
| 45 | MEMBERS WINSTON SALEM | 6.34% | 6.56% |
| 46 | R T P RTP | 6.50% | 6.50% |
| 47 | WNC COMMUNITY CU Waynesville | 6.51% | 6.70% |
| 48 | REVITY Greensboro | 6.75% | 7.25% |
| 49 | SELF-HELP Durham | 6.75% | 7.75% |
| 50 | AMERICAN PARTNERS Reidsville | 7.40% | 9.23% |
| 51 | SUMMIT Greensboro | 7.75% | 7.75% |
| 52 | GREATER KINSTON KINSTON | 7.75% | 9.00% |
| 53 | MOUNTAIN Waynesville | 9.10% | 8.73% |
| 54 | MCDOWELL CORNERSTONE MARION | 9.74% | 10.74% |
| 55 | ALLVAC SAVINGS AND MONROE | 10.00% | 10.00% |
| 56 | TEXAS GULF CAROLINA EMP Aurora | 10.00% | 12.00% |
56 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | INTERNAL REVENUE EMPLOYEES GREENSBORO | 2.90% | 2.90% |
| 2 | CIVIC RALEIGH | 3.95% | 5.25% |
| 3 | TELCO COMMUNITY CREDIT UNION Candler | 4.59% | 4.49% |
| 4 | ELECTEL COOPERATIVE Raleigh | 4.70% | 4.50% |
| 5 | VISION FINANCIAL Durham | 4.75% | 4.25% |
| 6 | BLUE FLAME Charlotte | 4.79% | 4.39% |
| 7 | CS Catawba | 4.91% | 4.46% |
| 8 | CAROLINA CHERRYVILLE | 4.99% | 4.49% |
| 9 | DUKE UNIVERSITY Durham | 4.99% | 4.99% |
| 10 | GREENSBORO GREENSBORO | 5.00% | 3.00% |
| 11 | WELCOME MORRISVILLE | 5.00% | 4.50% |
| 12 | EMERGENCY RESPONDERS Winston Salem | 5.35% | 3.75% |
| 13 | SKYLA Charlotte | 5.50% | 4.99% |
| 14 | FIRST FLIGHT CARY | 5.50% | 5.50% |
| 15 | FORT BRAGG Fayetteville | 5.60% | 6.15% |
| 16 | STATE EMPLOYEES' RALEIGH | 5.75% | 5.25% |
| 17 | NORTH CAROLINA PRESS ASSOCIATION RALEIGH | 5.75% | 5.25% |
| 18 | LION'S SHARE Salisbury | 5.75% | 5.50% |
| 19 | HEALTHSHARE Greensboro | 5.99% | 5.49% |
| 20 | NOVA CHARLOTTE | 5.99% | 5.99% |
| 21 | WEYCO COMMUNITY PLYMOUTH | 6.00% | 5.50% |
| 22 | PIEDMONT ADVANTAGE CREDIT UNION Winston Salem | 6.00% | 5.79% |
| 23 | ALLEGACY Winston Salem | 6.14% | 5.86% |
| 24 | FIRST CAROLINA PEOPLE'S GOLDSBORO | 6.25% | 4.50% |
| 25 | BRAGG MUTUAL Fayetteville | 6.25% | 6.00% |
| 26 | CAROLINA COOPERATIVE Charlotte | 6.36% | 3.09% |
| 27 | SHUFORD Hickory | 6.44% | 5.01% |
| 28 | CAROLINAS TELCO Charlotte | 6.48% | 5.14% |
| 29 | OTEEN V. A. ASHEVILLE | 6.49% | 4.49% |
| 30 | TRULIANT Winston Salem | 6.49% | 5.14% |
| 31 | MARINE Jacksonville | 6.50% | 4.40% |
| 32 | ARCADE Asheville | 6.50% | 5.50% |
| 33 | R T P RTP | 6.50% | 6.50% |
| 34 | MEMBERS WINSTON SALEM | 6.56% | 6.34% |
| 35 | COASTAL Raleigh | 6.59% | 5.99% |
| 36 | CHARLOTTE FIRE DEPARTMENT Charlotte | 6.62% | 6.06% |
| 37 | GUCO Greenville | 6.66% | 5.47% |
| 38 | WNC COMMUNITY CU Waynesville | 6.70% | 6.51% |
| 39 | NORTH CAROLINA COMMUNITY GOLDSBORO | 6.74% | 6.29% |
| 40 | ACCLAIM GREENSBORO | 6.78% | 5.10% |
| 41 | TCP RURAL HALL | 6.85% | 5.75% |
| 42 | CHAMPION Canton | 7.00% | 6.00% |
| 43 | REVITY Greensboro | 7.25% | 6.75% |
| 44 | HSM HICKORY | 7.70% | 4.63% |
| 45 | SELF-HELP Durham | 7.75% | 6.75% |
| 46 | SUMMIT Greensboro | 7.75% | 7.75% |
| 47 | LATINO COMMUNITY Durham | 8.25% | 5.75% |
| 48 | MOUNTAIN Waynesville | 8.73% | 9.10% |
| 49 | GREATER KINSTON KINSTON | 9.00% | 7.75% |
| 50 | AMERICAN PARTNERS Reidsville | 9.23% | 7.40% |
| 51 | SELF-HELP DURHAM | 9.75% | 2.49% |
| 52 | ALLVAC SAVINGS AND MONROE | 10.00% | 10.00% |
| 53 | LITHIUM BESSEMER CITY | 10.25% | 6.25% |
| 54 | TELCO TARBORO | 10.40% | 6.30% |
| 55 | MCDOWELL CORNERSTONE MARION | 10.74% | 9.74% |
| 56 | TEXAS GULF CAROLINA EMP Aurora | 12.00% | 10.00% |
Most community credit unions in North Carolina accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.