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State Employees' Credit Union auto loan rates compared

Independent comparison. JustAutoRates is not affiliated with State Employees' Credit Union. To apply, visit ncsecu.org.

North Carolina · Headquarters North Carolina

Employees of the state of North Carolina, NC public boards of education, county Social Services/Health/Mental Health/Emergency Management departments, related associations and agencies, pensioners from that service, and immediate family/household of members

Rate page on ncsecu.org

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

NewNew car rates · 6 rates

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

3.75%New36 months

NCChecked Nov 11, 2026

What the lender published

Published for a 36-month term. New auto loans; APR range 3.75% - 7.00%.

Checked Nov 11, 2026Source ncsecu.org

Calculate payment at 3.75% from State Employees' Credit UnionVisit lender ↗
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

4.00%New48 months

NCChecked Nov 11, 2026

What the lender published

Published for a 48-month term. New auto loans; APR range 4.00% - 7.25%.

Checked Nov 11, 2026Source ncsecu.org

Calculate payment at 4.00% from State Employees' Credit UnionVisit lender ↗
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

4.25%New60 months

NCChecked Nov 11, 2026

What the lender published

Published for a 60-month term. New auto loans; APR range 4.25% - 7.50%.

Checked Nov 11, 2026Source ncsecu.org

Calculate payment at 4.25% from State Employees' Credit UnionVisit lender ↗
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

4.50%New72 months

NCChecked Nov 11, 2026

What the lender published

Published for a 72-month term. New auto loans; APR range 4.50% - 7.75%.

Checked Nov 11, 2026Source ncsecu.org

Calculate payment at 4.50% from State Employees' Credit UnionVisit lender ↗
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

5.25%New84 months

NCChecked Nov 11, 2026

What the lender published

Published for a 84-month term. New auto loans; APR range 5.25% - 8.50%.

Checked Nov 11, 2026Source ncsecu.org

Calculate payment at 5.25% from State Employees' Credit UnionVisit lender ↗
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

6.00%New96 months

NCChecked Nov 11, 2026

What the lender published

Published for a 96-month term. New auto loans; APR range 6.00% - 9.25%.

Checked Nov 11, 2026Source ncsecu.org

Calculate payment at 6.00% from State Employees' Credit UnionVisit lender ↗

UsedUsed car rates · 4 rates

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

4.50%Used36 months

NCChecked Nov 11, 2026

What the lender published

Published for a 36-month term. Used autos 0-5 years old; APR range 4.50% - 8.50%.

Checked Nov 11, 2026Source ncsecu.org

Calculate payment at 4.50% from State Employees' Credit UnionVisit lender ↗
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

4.75%Used48 months

NCChecked Nov 11, 2026

What the lender published

Published for a 48-month term. Used autos 0-5 years old; APR range 4.75% - 8.75%.

Checked Nov 11, 2026Source ncsecu.org

Calculate payment at 4.75% from State Employees' Credit UnionVisit lender ↗
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

5.00%Used60 months

NCChecked Nov 11, 2026

What the lender published

Published for a 60-month term. Used autos 0-5 years old; APR range 5.00% - 9.00%.

Checked Nov 11, 2026Source ncsecu.org

Calculate payment at 5.00% from State Employees' Credit UnionVisit lender ↗
As low asEmployees onlyEmployees only: Eligibility limit: only open to NC state and public school employees. Other borrowers can’t get this rate.retirees and familiesretirees and families: Lender condition: retirees and families.

5.25%Used72 months

NCChecked Nov 11, 2026

What the lender published

Published for a 72-month term. Used autos 0-5 years old; APR range 5.25% - 9.25%.

Checked Nov 11, 2026Source ncsecu.org

Calculate payment at 5.25% from State Employees' Credit UnionVisit lender ↗