Credit union · New Hampshire

NGM Employees Federal Credit Union auto loan rates compared

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New Hampshire · Headquarters New HampshireChecked Nov 13, 2026Rate page on ngmcu.com

EligibilityPer NGM Employees FCU: Founded in 1966, the NGM Employees Federal Credit Union has steadfastly adhered to a philosophy of members supporting one another. Initially established to meet the financial service needs of National Grange Mutual Insurance Company employees and their family members, our institution has since broadened its membership to include those associated with Main Street America Group and select vendors.

Visit lender Opens ngmcu.com

Lowest new rate

4.00%APR, as low as

New24 monthsNGM Employees Federal Credit Union

LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
+1 more
Rate details & disclosures

Example: $25,000 financed for 24 months at 4.00% APR. Estimated payment: $1,086/mo

Assumes fixed APR, $0 down, no fees.

NH lender. Not all qualify, see requirements.

Lenders

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

NewNew car rates · 6 rates

NHChecked Nov 13, 2026

New
As low as

4.00%APR24 months

2025–2026 models

Requires:LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 24 months at 4.00% APR. Estimated payment: $1,086/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 24 months. Vehicle/Recreational Loans, Effective 1/21/26: Model Year 2025-2026, 24 Months, Financing up to 100%, APR* 4.00%. New vs used not separated (rates are by model year). "1 Loan terms of 72 months must have a credit score of 550 or higher to qualify. 2 Loan terms of 84 months available only for financing vehicles valued at $25,000 or greater or $15,000 or greater for motorcycles. Must have a credit score of 640 or higher to qualify." "* Rates are subject to change without notice. ALL RATES ARE OUR “AS LOW AS” RATES."

Checked Nov 13, 2026Source ngmcu.com

Calculate payment, NGM Employees Federal Credit Union, 4.00% APR, new, 24 months, 2025–2026 modelsVisit lender, NGM Employees Federal Credit Union, 4.00% APR, new, 24 months, 2025–2026 models ↗

NHChecked Nov 13, 2026

New
As low as

4.25%APR36 months

2025–2026 models

Requires:LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 4.25% APR. Estimated payment: $741/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 36 months. Vehicle/Recreational Loans, Effective 1/21/26: Model Year 2025-2026, 36 Months, Financing up to 100%, APR* 4.25%. New vs used not separated (rates are by model year). "1 Loan terms of 72 months must have a credit score of 550 or higher to qualify. 2 Loan terms of 84 months available only for financing vehicles valued at $25,000 or greater or $15,000 or greater for motorcycles. Must have a credit score of 640 or higher to qualify." "* Rates are subject to change without notice. ALL RATES ARE OUR “AS LOW AS” RATES."

Checked Nov 13, 2026Source ngmcu.com

Calculate payment, NGM Employees Federal Credit Union, 4.25% APR, new, 36 months, 2025–2026 modelsVisit lender, NGM Employees Federal Credit Union, 4.25% APR, new, 36 months, 2025–2026 models ↗

NHChecked Nov 13, 2026

New
As low as

4.50%APR48 months

2025–2026 models

Requires:LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 4.50% APR. Estimated payment: $571/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 48 months. Vehicle/Recreational Loans, Effective 1/21/26: Model Year 2025-2026, 48 Months, Financing up to 100%, APR* 4.50%. New vs used not separated (rates are by model year). "1 Loan terms of 72 months must have a credit score of 550 or higher to qualify. 2 Loan terms of 84 months available only for financing vehicles valued at $25,000 or greater or $15,000 or greater for motorcycles. Must have a credit score of 640 or higher to qualify." "* Rates are subject to change without notice. ALL RATES ARE OUR “AS LOW AS” RATES."

Checked Nov 13, 2026Source ngmcu.com

Calculate payment, NGM Employees Federal Credit Union, 4.50% APR, new, 48 months, 2025–2026 modelsVisit lender, NGM Employees Federal Credit Union, 4.50% APR, new, 48 months, 2025–2026 models ↗

NHChecked Nov 13, 2026

New
As low as

4.75%APR60 months

2025–2026 models

Requires:LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 4.75% APR. Estimated payment: $469/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 60 months. Vehicle/Recreational Loans, Effective 1/21/26: Model Year 2025-2026, 60 Months, Financing up to 100%, APR* 4.75%. New vs used not separated (rates are by model year). "1 Loan terms of 72 months must have a credit score of 550 or higher to qualify. 2 Loan terms of 84 months available only for financing vehicles valued at $25,000 or greater or $15,000 or greater for motorcycles. Must have a credit score of 640 or higher to qualify." "* Rates are subject to change without notice. ALL RATES ARE OUR “AS LOW AS” RATES."

Checked Nov 13, 2026Source ngmcu.com

Calculate payment, NGM Employees Federal Credit Union, 4.75% APR, new, 60 months, 2025–2026 modelsVisit lender, NGM Employees Federal Credit Union, 4.75% APR, new, 60 months, 2025–2026 models ↗

NHChecked Nov 13, 2026

New
As low as

5.00%APR72 months

2025–2026 models

Requires:LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.Credit score 550 or higherCredit score 550 or higher: Lender requirement: credit score 550 or higher. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.00% APR. Estimated payment: $403/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Vehicle/Recreational Loans, Effective 1/21/26: Model Year 2025-2026, 72 Months, Financing up to 100%, APR* 5.00%. New vs used not separated (rates are by model year). "1 Loan terms of 72 months must have a credit score of 550 or higher to qualify. 2 Loan terms of 84 months available only for financing vehicles valued at $25,000 or greater or $15,000 or greater for motorcycles. Must have a credit score of 640 or higher to qualify." "* Rates are subject to change without notice. ALL RATES ARE OUR “AS LOW AS” RATES."

Checked Nov 13, 2026Source ngmcu.com

Calculate payment, NGM Employees Federal Credit Union, 5.00% APR, new, 72 months, 2025–2026 modelsVisit lender, NGM Employees Federal Credit Union, 5.00% APR, new, 72 months, 2025–2026 models ↗

NHChecked Nov 13, 2026

New
As low as

5.50%APR84 months

2025–2026 models

Requires:LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. value $25,000Min. value $25,000: The vehicle must be worth at least $25,000 for this rate. Your rate still depends on creditworthiness, term, and eligibility.Credit score 640 or higherCredit score 640 or higher: Lender requirement: credit score 640 or higher. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreNGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.50% APR. Estimated payment: $360/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. Vehicle/Recreational Loans, Effective 1/21/26: Model Year 2025-2026, 84 Months, Financing up to 100%, APR* 5.50%. New vs used not separated (rates are by model year). "1 Loan terms of 72 months must have a credit score of 550 or higher to qualify. 2 Loan terms of 84 months available only for financing vehicles valued at $25,000 or greater or $15,000 or greater for motorcycles. Must have a credit score of 640 or higher to qualify." "* Rates are subject to change without notice. ALL RATES ARE OUR “AS LOW AS” RATES."

Checked Nov 13, 2026Source ngmcu.com

Calculate payment, NGM Employees Federal Credit Union, 5.50% APR, new, 84 months, 2025–2026 modelsVisit lender, NGM Employees Federal Credit Union, 5.50% APR, new, 84 months, 2025–2026 models ↗
4.00%APR

New car

Visit lender, NGM Employees Federal Credit Union, 4.00% APR, new, 24 months, 2025–2026 models

NH · 2025–2026 modelsChecked Nov 13, 202624 months

LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 24 months at 4.00% APR. Estimated payment: $1,086/mo

Assumes fixed APR, $0 down, no fees.

4.25%APR

New car

Visit lender, NGM Employees Federal Credit Union, 4.25% APR, new, 36 months, 2025–2026 models

NH · 2025–2026 modelsChecked Nov 13, 202636 months

LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 4.25% APR. Estimated payment: $741/mo

Assumes fixed APR, $0 down, no fees.

4.50%APR

New car

Visit lender, NGM Employees Federal Credit Union, 4.50% APR, new, 48 months, 2025–2026 models

NH · 2025–2026 modelsChecked Nov 13, 202648 months

LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 4.50% APR. Estimated payment: $571/mo

Assumes fixed APR, $0 down, no fees.

4.75%APR

New car

Visit lender, NGM Employees Federal Credit Union, 4.75% APR, new, 60 months, 2025–2026 models

NH · 2025–2026 modelsChecked Nov 13, 202660 months

LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 4.75% APR. Estimated payment: $469/mo

Assumes fixed APR, $0 down, no fees.

5.00%APR

New car

Visit lender, NGM Employees Federal Credit Union, 5.00% APR, new, 72 months, 2025–2026 models

NH · 2025–2026 modelsChecked Nov 13, 202672 months

LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.Credit score 550 or higherCredit score 550 or higher: Lender requirement: credit score 550 or higher. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreNGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.00% APR. Estimated payment: $403/mo

Assumes fixed APR, $0 down, no fees.

5.50%APR

New car

Visit lender, NGM Employees Federal Credit Union, 5.50% APR, new, 84 months, 2025–2026 models

NH · 2025–2026 modelsChecked Nov 13, 202684 months

LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. value $25,000Min. value $25,000: The vehicle must be worth at least $25,000 for this rate. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreCredit score 640 or higherCredit score 640 or higher: Lender requirement: credit score 640 or higher. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.50% APR. Estimated payment: $360/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 6 rates

NHChecked Nov 13, 2026

Used
As low as

4.00%APR24 months

2025–2026 models

Requires:LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 24 months at 4.00% APR. Estimated payment: $1,086/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 24 months. Vehicle/Recreational Loans, Effective 1/21/26: Model Year 2025-2026, 24 Months, Financing up to 100%, APR* 4.00%. New vs used not separated (rates are by model year). "1 Loan terms of 72 months must have a credit score of 550 or higher to qualify. 2 Loan terms of 84 months available only for financing vehicles valued at $25,000 or greater or $15,000 or greater for motorcycles. Must have a credit score of 640 or higher to qualify." "* Rates are subject to change without notice. ALL RATES ARE OUR “AS LOW AS” RATES."

Checked Nov 13, 2026Source ngmcu.com

Calculate payment, NGM Employees Federal Credit Union, 4.00% APR, used, 24 months, 2025–2026 modelsVisit lender, NGM Employees Federal Credit Union, 4.00% APR, used, 24 months, 2025–2026 models ↗

NHChecked Nov 13, 2026

Used
As low as

4.25%APR36 months

2025–2026 models

Requires:LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 4.25% APR. Estimated payment: $741/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 36 months. Vehicle/Recreational Loans, Effective 1/21/26: Model Year 2025-2026, 36 Months, Financing up to 100%, APR* 4.25%. New vs used not separated (rates are by model year). "1 Loan terms of 72 months must have a credit score of 550 or higher to qualify. 2 Loan terms of 84 months available only for financing vehicles valued at $25,000 or greater or $15,000 or greater for motorcycles. Must have a credit score of 640 or higher to qualify." "* Rates are subject to change without notice. ALL RATES ARE OUR “AS LOW AS” RATES."

Checked Nov 13, 2026Source ngmcu.com

Calculate payment, NGM Employees Federal Credit Union, 4.25% APR, used, 36 months, 2025–2026 modelsVisit lender, NGM Employees Federal Credit Union, 4.25% APR, used, 36 months, 2025–2026 models ↗

NHChecked Nov 13, 2026

Used
As low as

4.50%APR48 months

2025–2026 models

Requires:LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 4.50% APR. Estimated payment: $571/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 48 months. Vehicle/Recreational Loans, Effective 1/21/26: Model Year 2025-2026, 48 Months, Financing up to 100%, APR* 4.50%. New vs used not separated (rates are by model year). "1 Loan terms of 72 months must have a credit score of 550 or higher to qualify. 2 Loan terms of 84 months available only for financing vehicles valued at $25,000 or greater or $15,000 or greater for motorcycles. Must have a credit score of 640 or higher to qualify." "* Rates are subject to change without notice. ALL RATES ARE OUR “AS LOW AS” RATES."

Checked Nov 13, 2026Source ngmcu.com

Calculate payment, NGM Employees Federal Credit Union, 4.50% APR, used, 48 months, 2025–2026 modelsVisit lender, NGM Employees Federal Credit Union, 4.50% APR, used, 48 months, 2025–2026 models ↗

NHChecked Nov 13, 2026

Used
As low as

4.75%APR60 months

2025–2026 models

Requires:LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 4.75% APR. Estimated payment: $469/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 60 months. Vehicle/Recreational Loans, Effective 1/21/26: Model Year 2025-2026, 60 Months, Financing up to 100%, APR* 4.75%. New vs used not separated (rates are by model year). "1 Loan terms of 72 months must have a credit score of 550 or higher to qualify. 2 Loan terms of 84 months available only for financing vehicles valued at $25,000 or greater or $15,000 or greater for motorcycles. Must have a credit score of 640 or higher to qualify." "* Rates are subject to change without notice. ALL RATES ARE OUR “AS LOW AS” RATES."

Checked Nov 13, 2026Source ngmcu.com

Calculate payment, NGM Employees Federal Credit Union, 4.75% APR, used, 60 months, 2025–2026 modelsVisit lender, NGM Employees Federal Credit Union, 4.75% APR, used, 60 months, 2025–2026 models ↗

NHChecked Nov 13, 2026

Used
As low as

5.00%APR72 months

2025–2026 models

Requires:LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.Credit score 550 or higherCredit score 550 or higher: Lender requirement: credit score 550 or higher. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.00% APR. Estimated payment: $403/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Vehicle/Recreational Loans, Effective 1/21/26: Model Year 2025-2026, 72 Months, Financing up to 100%, APR* 5.00%. New vs used not separated (rates are by model year). "1 Loan terms of 72 months must have a credit score of 550 or higher to qualify. 2 Loan terms of 84 months available only for financing vehicles valued at $25,000 or greater or $15,000 or greater for motorcycles. Must have a credit score of 640 or higher to qualify." "* Rates are subject to change without notice. ALL RATES ARE OUR “AS LOW AS” RATES."

Checked Nov 13, 2026Source ngmcu.com

Calculate payment, NGM Employees Federal Credit Union, 5.00% APR, used, 72 months, 2025–2026 modelsVisit lender, NGM Employees Federal Credit Union, 5.00% APR, used, 72 months, 2025–2026 models ↗

NHChecked Nov 13, 2026

Used
As low as

5.50%APR84 months

2025–2026 models

Requires:LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. value $25,000Min. value $25,000: The vehicle must be worth at least $25,000 for this rate. Your rate still depends on creditworthiness, term, and eligibility.Credit score 640 or higherCredit score 640 or higher: Lender requirement: credit score 640 or higher. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreNGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.50% APR. Estimated payment: $360/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. Vehicle/Recreational Loans, Effective 1/21/26: Model Year 2025-2026, 84 Months, Financing up to 100%, APR* 5.50%. New vs used not separated (rates are by model year). "1 Loan terms of 72 months must have a credit score of 550 or higher to qualify. 2 Loan terms of 84 months available only for financing vehicles valued at $25,000 or greater or $15,000 or greater for motorcycles. Must have a credit score of 640 or higher to qualify." "* Rates are subject to change without notice. ALL RATES ARE OUR “AS LOW AS” RATES."

Checked Nov 13, 2026Source ngmcu.com

Calculate payment, NGM Employees Federal Credit Union, 5.50% APR, used, 84 months, 2025–2026 modelsVisit lender, NGM Employees Federal Credit Union, 5.50% APR, used, 84 months, 2025–2026 models ↗
4.00%APR

Used car

Visit lender, NGM Employees Federal Credit Union, 4.00% APR, used, 24 months, 2025–2026 models

NH · 2025–2026 modelsChecked Nov 13, 202624 months

LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 24 months at 4.00% APR. Estimated payment: $1,086/mo

Assumes fixed APR, $0 down, no fees.

4.25%APR

Used car

Visit lender, NGM Employees Federal Credit Union, 4.25% APR, used, 36 months, 2025–2026 models

NH · 2025–2026 modelsChecked Nov 13, 202636 months

LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 4.25% APR. Estimated payment: $741/mo

Assumes fixed APR, $0 down, no fees.

4.50%APR

Used car

Visit lender, NGM Employees Federal Credit Union, 4.50% APR, used, 48 months, 2025–2026 models

NH · 2025–2026 modelsChecked Nov 13, 202648 months

LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 4.50% APR. Estimated payment: $571/mo

Assumes fixed APR, $0 down, no fees.

4.75%APR

Used car

Visit lender, NGM Employees Federal Credit Union, 4.75% APR, used, 60 months, 2025–2026 models

NH · 2025–2026 modelsChecked Nov 13, 202660 months

LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 4.75% APR. Estimated payment: $469/mo

Assumes fixed APR, $0 down, no fees.

5.00%APR

Used car

Visit lender, NGM Employees Federal Credit Union, 5.00% APR, used, 72 months, 2025–2026 models

NH · 2025–2026 modelsChecked Nov 13, 202672 months

LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.Credit score 550 or higherCredit score 550 or higher: Lender requirement: credit score 550 or higher. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreNGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.00% APR. Estimated payment: $403/mo

Assumes fixed APR, $0 down, no fees.

5.50%APR

Used car

Visit lender, NGM Employees Federal Credit Union, 5.50% APR, used, 84 months, 2025–2026 models

NH · 2025–2026 modelsChecked Nov 13, 202684 months

LTV 100% or lessLTV 100% or less: Loan-to-value (loan amount vs. vehicle value) must be 100% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. value $25,000Min. value $25,000: The vehicle must be worth at least $25,000 for this rate. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreCredit score 640 or higherCredit score 640 or higher: Lender requirement: credit score 640 or higher. Your rate still depends on creditworthiness, term, and eligibility.NGM / Main Street AmericaNGM / Main Street America: For a specific group: only open to National Grange Mutual Insurance Company employees and their family members, people associated with Main Street America Group, and select vendors. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.50% APR. Estimated payment: $360/mo

Assumes fixed APR, $0 down, no fees.