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Civic Federal Credit Union auto loan rates compared

Independent comparison. JustAutoRates is not affiliated with Civic Federal Credit Union. To apply, visit civicfcu.org.

North Carolina · Headquarters North Carolina

Current and retired employees of North Carolina local government agencies (including emergency service personnel), businesses owned by or primarily serving local government, and their families (formerly Local Government Federal Credit Union)

Rate page on civicfcu.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car rates · 3 rates

As low asEmployees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

5.24%NewUp to 72 months

NCChecked Nov 11, 2026

Published as up to 72 months, not as a single monthly term.

What the lender published

Terms up to 72 months. New auto. APR as low as. Effective 09/28/2026.

Checked Nov 11, 2026Source civicfcu.org

Calculate payment at 5.24% from Civic Federal Credit UnionVisit lender ↗
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

6.25%New73–84 months

NCChecked Nov 11, 2026

Published as 73–84 months, not as its own 84-month price.

What the lender published

Applies to 73-84 month terms. New auto. APR as low as. Effective 09/28/2026.

Checked Nov 11, 2026Source civicfcu.org

Calculate payment at 6.25% from Civic Federal Credit UnionVisit lender ↗
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

7.00%New85–96 months

NCChecked Nov 11, 2026

Published as 85–96 months, not as its own 96-month price.

What the lender published

Applies to 85-96 month terms. New auto. APR as low as. Effective 09/28/2026.

Checked Nov 11, 2026Source civicfcu.org

Calculate payment at 7.00% from Civic Federal Credit UnionVisit lender ↗

UsedUsed car rates · 2 rates

As low asEmployees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

5.50%UsedUp to 72 months

NCChecked Nov 11, 2026

Published as up to 72 months, not as a single monthly term.

What the lender published

Terms up to 72 months. Used auto. APR as low as. Effective 09/28/2026.

Checked Nov 11, 2026Source civicfcu.org

Calculate payment at 5.50% from Civic Federal Credit UnionVisit lender ↗
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC local government employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

6.25%Used73–84 months

NCChecked Nov 11, 2026

Published as 73–84 months, not as its own 84-month price.

What the lender published

Applies to 73-84 month terms. Used auto. APR as low as. Effective 09/28/2026.

Checked Nov 11, 2026Source civicfcu.org

Calculate payment at 6.25% from Civic Federal Credit UnionVisit lender ↗