Rates – Auto Loans

View our latest rates here, or contact us to visit with us about any questions you may have. Contact us at: (402) 492-9100 or (800) 882-0244, or email, or stop by one of our branches.

AUTOS/MOTORCYCLES APR* TERMS
PROMO RATE: (2019 & newer)(1) as low as 1.99% 36-48 months
PROMO RATE: (2016-2018)(2) as low as 3.24% 36-60 months
(2019 & Newer)(3) as low as 2.39% 36 months (36-84 mos. available)
(2016-2018)(3) as low as 3.39% 36 months (36-72 mos. available)
(2015 & older) Call for a rate quote. Call for available terms
CAMPERS, RVs, BOATS APR* TERMS
(2019 & Newer)(3) as low as 4.84% 60 months (60-180 mos. available)
(2016-2018)(3) as low as 5.36% 48 months (48-72 mos. available)
(2015 & older) Call for a rate quote. Call for available terms

Rates effective as of 7/1/2021 and are subject to change. *APR (Annual Percentage Rate) – Rates, terms and conditions are subject to change and may vary based upon creditworthiness, qualifications, loan amount, term, applicable prepaid items and collateral conditions. All loans subject to credit approval. Some restrictions may apply. All rates, except credit cards, lines of credit, share secured and unsecured loans, are quoted with .25% discount for any new money loan with a checking account relationship that has direct deposit. You must be a member of the Credit Union to obtain a loan. There is a $5 minimum balance required in your share savings when you become a member.

(1) Rate will not be less than 1.99% APR for vehicle year 2019 or newer, up to a 48 month term. Quoted auto loan rates are accurate as of 7/1/2021 and subject to change. Payment Example: $25,000 at 1.99% APR for 48 months is $541.68 per month. Debt protection available. Rate is higher for terms greater than 48 months. Terms up to 84 months available. Cannot be combined with any other offer and may change or be discontinued at any time without prior notice. Must have FNCU checking account with direct deposit and automatic loan payment. Members without a checking account, direct deposit and automatic loan payment may receive a slightly higher rate (.25%). Other restrictions may apply. Interest accrues from the date of funding. Election of 90-day first payment due date may increase finance charges. Offer is valid for new auto loans only and is not available on refinances of existing FNCU loans.

(2) Rate will not be less than 3.24% APR for vehicle year 2016-2018, up to a 60 month term. Quoted auto loan rates are accurate as of 7/1/2021 and subject to change. Payment Example: $25,000 at 3.24% APR for 60 months is $451.83 per month. Debt protection available. Rate is higher for terms greater than 60 months. Terms up to 84 months available. Cannot be combined with any other offer and may change or be discontinued at any time without prior notice. Must have FNCU checking account with direct deposit and automatic loan payment. Members without a checking account, direct deposit and automatic loan payment may receive a slightly higher rate (.25%). Other restrictions may apply. Interest accrues from the date of funding. Election of 90-day first payment due date may increase finance charges. Offer is valid for new auto loans only and is not available on refinances of existing FNCU loans.

(3) Loan repayment examples are based on the following terms: Auto/Motorcycle loan (2019 & Newer): $25,000 at 2.84% APR for 60 months is $446.87 per month; Auto/Motorcycle loan (2019 & Newer): $25,000 at 2.39% APR for 36 months is $720.38 per month; Auto/Motorcycle loan (2016-2018): $25,000 at 3.84% APR for 60 months is $458.23 per month; Camper/RV/Boat (2019 & Newer): $25,000 at 4.84% APR for 60 months is $469.78 per month. Camper/RV/Boat (2016-2018): $25,000 at 6.34% APR for 60 months is $487.43 per month. All repayment examples are quoted without debt protection included. Members without a qualifying checking account may receive a slightly higher rate (.25%).