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 us help you finance your first car!

Be an informed consumer when purchasing a car and know the value of the vehicle you’re looking to purchase. Use SECU's free online car values services to determine vehicle values and options before you buy. You can even get a quote to purchase a new vehicle! Check out Chrome Showroom new car values or NADA used car values in the Auto Center section via Member Access.



3 Ways to Request a New or Used Vehicle Loan1
  1. Apply online via Member Access.Apply Online
  2. Apply by phone by calling 24/7 Member Services: (888) 732-8562.
  3. Apply at your local branch. Print and review a Loan Information Checklist before your visit.


New Vehicle Loans2

We offer fixed-rate financing for new vehicles for terms up to 96 months. We finance up to 100% of the Manufacturer’s Suggested Retail Price (MSRP) plus an additional 10% to cover other purchase related expenses such as tax, tags, extended warranties, etc. Vehicle must be prior, current or upcoming year model with 10,000 miles or less.


Used Vehicle Loans2

We offer fixed-rate financing for used vehicles for terms up to 72 months. We can finance up to 110%4 of the vehicle NADA retail value. Cash-out refinances are limited to 100% of the vehicle NADA retail value. Determine the value of your vehicle in the Auto Center section via Member Access.
  • 72-month financing5 available for vehicles that meet both of the following conditions:
    • Model year between 0 and 5 years old
    • Mileage does not exceed 100,000
  • 48-month financing5 available for vehicles that meet both of the following conditions:
    • Model year does not to exceed 10 years
    • Mileage does not to exceed 150,000

Auto Insurance

Collision and comprehensive insurance coverage with a maximum $1,000 deductible required for the duration of the loan. We offer auto insurance through AAA Carolinas.6 Get a risk-free quote online.

Learn more about insurance coverage options »



1 Members must be 18 years of age or older to be eligible for lending services. Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia.
2 Vehicle title held as collateral until the loan is repaid. Commercial vehicles or vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats and RVs are not acceptable collateral.
3 APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate.
4 Cash out is not available on vehicle purchase transactions.
5 Financing is not allowed on vehicles older than 10 years or those with mileage in excess of 150,000 miles at time of origination.
6 SECU Insurance Services has partnered with AAA Insurance to provide auto and other personal lines insurance. SECU Insurance representatives are licensed to sell insurance in North Carolina only. You can contact an SECU Insurance representative toll free at 1-888-732-8562 or locally in Raleigh at 919-857-2150 Monday - Friday from 8:00 am to 5:30 pm.