NAECU is here to help you in any way we can! Should you have any accessibility issues with our site please call us during business hours at 256-534-2423 and we will personally assist you with anything you need.
NAECU logo

Have you financed a vehicle at a dealership in the past 24 months? Chances are you are paying well above the fixed rates we have available. Rates as low as 5.75% APR for up to 72 months at NAECU. 

Loan Rates

Apply Now (opens in new window)

October 01, 2024

Vehicle Loan Rates

90 Days until your first payment is available on most loans.  

Loan Type Fixed Rate as low as Term Payment
New or Used Vehicle 2020 or newer 5.40% APR Up to 36 Months $31.00 per $1,000 Borrowed
New Vehicle 5.75% APR Up to 66 Months $18.00 per $1,000 Borrowed
New Vehicle
Finance $20,000 or more for 72 months
5.75% APR Up to 72 Months $17.00 per $1,000 Borrowed
New Vehicle
Finance $28,000 or more for 84 months
6.50% APR Up to 84 Months $17.00 per $1,000 Borrowed
Used Vehicle 2012 or newer 5.75% APR Up to 66 Months $20.00 Per $1,000 Borrowed
Used Vehicle 2012 or newer
Finance amounts of $20,000 or more for 72 months
5.75% APR Up to 72 Months $19.00 per $1,000 Financed
Used Vehicle 2012 or newer

Finance amounts of $28,000 or more for 84 months
6.50% APR Up to 84 Months $16.00 per $1,000 Borrowed
Used Vehicles with over 150,000 Miles – 2012 or Newer 5.75% APR up to 60 Months $20.00 per $1,000 Borrowed

Other Collateral Loans

Loan Type Fixed Rate as low as Term Payment
New or Used Motorcycles: 2013 or Newer
Under $10,000 Financed
6.10% APR Up to 48 months* $24 per $1,000 Borrowed
New or Used Motorcycles: 2013 or Newer
$10,000 or more Financed
6.10% APR Up to 60 Months** $20 per $1,000 Borrowed
New or Used Boat, Motor, Trailer: 2013 or Newer 6.10% APR Up to 72 Months $17 per $1,000 Borrowed
New or Used Recreational Vehicles: 2013 or Newer 5.60% APR Up to 60 Months $20 per $1,000 Borrowed
New or Used Recreational Vehicles: 2012 or Newer 6.35% APR Up to 96 Month $15 per $1,000 Borrowed
New or Used Recreational Vehicles: 2012 or Newer 7.35 APR Up to 120 Months $14 per $1,000 Borrowed
New or Used ATV’s (3 or 4 Wheelers): 2018 or newer 6.35% APR 48 Months $24 per $1,000 Borrowed
6.35% APR 60 Months
$10,000 or more
$20 per $1,000 Borrowed
Consumer Loans (Mowers, Furniture, Computers, Appliances, etc.) 7.60% APR Up to 60 Months $21 per $1,000 Borrowed

Personal Loans

Loan Type Fixed Rate as low as Term Payment
Home Improvement Loan
For Home Owners Only - We do not record a Mortgage Lien
7.00% APR up to 60 Months $21.00 per $1,000 borrowed
Any Season, Any Reason Loan 6.99% APR up to 12 Months $10 per $100 borrowed
Any Season, Any Reason Loan 7.99% APR up to 24 Months $6 per $100 Borrowed
Consolidation Loan
Checks to creditors, no internal refinances, no cash out.
8.99% APR Up to 60 Months $22.00 per $1,000 Borrowed
Personal Loan 10.00% APR Up to 60 Months $3 per $100 Borrowed
Fresh Start Loan* 18.00% APR $50 per month
Overdraft Loan 15.00% APR   3% of unpaid balance
EZ Open-End Personal Loan 15.00% APR 3% of unpaid balance

*For Members with no Credit History or Poor Credit History. $500 Maximum/$200 Minimum Loan Amount. $30 non-refundable application fee at time of application. Requirement of direct deposit/payroll deduction of $50 or more coming to NAECU. NAECU member for at least 90 days before loan request


QUALIFICATIONS MUST BE MET ON ALL LOANS. RATES AND LOAN AVAILABILITY ARE SUBJECT TO CHANGE WITHOUT NOTICE. YOUR CREDIT WORTHINESS AS WELL AS OTHER FACTORS SUCH AS LENGTH OF THE LOAN AND THE VALUE OF YOUR COLLATERAL WILL DETERMINE YOUR ACTUAL LOAN INTEREST RATE. EQUAL CREDIT OPPORTUNITY LENDER.

APPLY ONLINE AT THE TOP OF THIS PAGE OR VISIT ANY NAECU OFFICE LOCATION.