State Employees' Credit Union (NC)
NCSECU — published 36–84 month new-auto APR grid, terms up to 96 months for qualifying new vehicles.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means State Employees' Credit Union (NC) does not publish this on their public site. "No restriction" means State Employees' Credit Union (NC) explicitly states no limit.
Overview
NCSECU publishes a transparent new-auto APR grid by term, ranging from 3.75%–7.00% at 36 months up to 6.00%–9.25% at 96 months. Used-auto pricing runs 4.50%–9.25% for vehicles up to five years old and 5.00%–10.25% for older vehicles.…
What’s great
- Published APR grid by term for new auto loans
- Terms up to 96 months for qualifying new vehicles up to 10,000 miles
- Additional 0.50% rate discount for qualifying NC state employees/retirees
What to know
- Lending limited to NC, SC, GA, TN, and VA residents
- Used vehicles must be <10 years old and <150,000 miles
- FICO floor and refi-specific loan-amount limits not published
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 3.75% – 10.25% (new-auto APR grid runs 3.75%–7.00% (36mo) through 6.00%–9.25% (96mo); used vehicles 0–5 years old run 4.50%–9.25% and older used vehicles 5.00%–10.25%; rate also depends on FICO) |
| Maximum vehicle age | 10 years |
| Maximum mileage | 150,000 miles |
| Loan amount range | Not disclosed |
| Term length | Up to 96 months |
| States served | 5 states |
| Membership requirement | North Carolina state employees, public-school employees, retirees, and family members (NCSECU field of membership) |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from State Employees' Credit Union (NC)'s own published materials. Rates, eligibility, and terms can change — verify directly with State Employees' Credit Union (NC) before applying.
- [1]NCSECU — Auto Loans (new up to 10,000 miles eligible for up to 96-month terms; used <10 years and <150,000 miles eligible for terms up to 72 months; 0.50% discount for qualifying NC state employees/retirees) — State Employees' Credit Union of North Carolinahttps://www.ncsecu.org/loans/auto-loansLast checked: September 2026
- [2]NCSECU — Lending Rates: new auto APR grid 36–96 months (3.75%–7.00% at 36mo through 6.00%–9.25% at 96mo); used-auto grids run 4.50%–9.25% (0–5 years) and 5.00%–10.25% (older) — State Employees' Credit Union of North Carolinahttps://www.ncsecu.org/rates-fees/lending-ratesLast checked: September 2026