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Deposit Rates
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Quoted Rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.

Vehicle Loans

Need a vehicle for school or work? Let the Credit Union help you finance your first car! Zard members must be 18 years of age or older to be eligible.

Be an informed consumer when purchasing - use SECU's Chrome Showroom or NADA used car values service to determine vehicle values and options. You can even get a new vehicle quote! This is a free online service for Zard Members. Check out Chrome Showroom or NADA used car values in the Auto Center via Member Access.

The Credit Union offers fixed-rate financing for new or used vehicles. Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia.


3 Ways to Request a New or Used Vehicle Loan
  1. Request at your local branch Loan Information Checklist
  2. Request via Member Access
  3. Request with our 24/7 Member Services: (888) 732-8562

New Vehicle Loan Specifications
For terms up to 96 months, the maximum amount financed is limited to the full documented purchase price (including tax, tags, and extended warranties) not to exceed 110% of the MSRP.

Must be current, prior or upcoming year model with 10,000 miles or less.
  • The vehicle title will be held as collateral until the loan is repaid
  • May be repaid at any time without penalty
  • Must have collision and comprehensive insurance protection with a maximum deductible of $1,000 for the duration of the loan
  • Flood, salvage and reconstructed title vehicles, motorcycles, boats and RVs are not acceptable as collateral

2.75% APR1 for up to 36 month terms using Payroll Deduction/Funds Transfer repayment Calculate Payment (3.25% APR1 for Direct Pay) Calculate Payment

3.75% APR1 for 37 - 60 month terms using Payroll Deduction/Funds Transfer repayment Calculate Payment (4.25% APR1 for Direct Pay) Calculate Payment

4.25% APR1 for 61 - 72 month terms using Payroll Deduction/Funds Transfer repayment Calculate Payment (4.75% APR1 for Direct Pay) Calculate Payment

5.25% APR1 for 73 - 96 month terms using Payroll Deduction/Funds Transfer repayment Calculate Payment (5.75% APR1 for Direct Pay) Calculate Payment

Used Vehicle Loan Specifications
For used vehicles, members can finance 100% of the NADA average retail value plus an additional 10% to cover other purchase related expenses such as tax, tags, extended warranties, etc. Cash out refinances are limited to 100% of the value of the vehicle based on the NADA retail value.
  • The vehicle title will be held as collateral until the loan is repaid
  • May be repaid at any time without penalty
  • Must have collision and comprehensive insurance protection with a maximum deductible of $1,000 for the duration of the loan
  • Flood, salvage and reconstructed title vehicles, motorcycles, boats and RVs are not acceptable as collateral
  • Vehicles may not be older than 10 years or have mileage in excess of 150,000 at time of origination
  • Vehicles that meet either of the following conditions are limited to a maximum term of 48 months:
    • Model years between 6 and 10 years old
    • Mileage that exceeds 100,000 miles and a maximum of 150,000 miles

5.25% APR1for all terms using Payroll Deduction/Funds Transfer repayment Calculate Payment

5.75% APR1 for all terms using Direct Payment Calculate Payment

If you are thinking about purchasing a car, you will also need car insurance and SECU can help with that too. See an SECU Insurance representative for more details.

1APR = Annual Percentage Rate.