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State Employees' Credit Union auto loan rates

4.4/5 our editorial rating

North Carolina credit union for state employees and their families, with new car terms up to 96 months.

Who can join: North Carolina state and public school employees, NC National Guard, state retirees, immediate family and household members of members, and BCBSNC employees; $25 minimum share deposit.

Visit State Employees' Credit Union Calculate payment
From APR
3.75%
Best advertised rate

This is the lowest APR State Employees' Credit Union advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Loan terms
36–96
Months

Pick a repayment term from 36 to 96 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's State Employees' Credit Union rates by loan type

Rates shown are the best advertised APRs as of October 22, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 36 mo 3.75% Compare →
Used car 36 mo 4.50% Compare →
Refinance 60 mo 3.75% Compare →

Pros

  • New vehicle terms up to 96 months
  • Extra 0.50% rate discount for qualifying NC state employees and retirees
  • Auto Power pre-approved check for dealer purchases

Cons

  • Membership limited to NC state employees, retirees, their families and a few other groups
  • Lending limited to NC, SC, GA, TN and VA residents and titled vehicles
  • Rates are quoted as ranges that depend on FICO score

How we rate lenders

Our 4.4/5 rating for State Employees' Credit Union is computed from the same published data shown on this page. It is not based on opinion or on partner relationships. The formula weighs four things:

Ratings update automatically when a lender's published terms change. Referral fees some lenders pay us have no input into this score.

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