Auto Loans
Put Yourself in the Driver’s Seat — We Call Shotgun!
handle the road ahead, only from NCPD FCU.
Read FAQs
Auto Loans
Put Yourself in the Driver’s Seat — We Call Shotgun!
handle the road ahead, only from NCPD FCU.
Limited-Time Offer
Earn a $100 Gift Card With a New Auto Loan.
Finance your next vehicle with NCPD FCU and get rewarded for it. For a limited time, receive a $100 gift card when you finance a new vehicle with us.* It’s a simple way to make summer driving even more rewarding.
*Offer valid 7/1/26–9/30/26. Available on new auto loans only; not valid for used auto loans or refinancing. Loan must be approved and funded to receive the $100 gift card. Bonus is considered interest and will be reported on IRS Form 1099-INT. The primary account owner is responsible for any applicable taxes. Membership and credit approval required. See Credit Union for details.
New Auto Loans
Drive the latest with ease. NCPD Federal Credit Union offers competitive rates and flexible terms designed to make your dream vehicle more attainable than ever.
See Rates
Used Auto Loans
Optimize value and reliability. NCPD Federal Credit Union’s used vehicle financing options cater to lease buyouts and dealer and private purchases.
See Rates
New Auto LoansDrive the latest with | Used Auto LoansMaximize value without sacrificing quality. | |
|---|---|---|
| 100% financing of MSRP | Up to $80,000 | |
| 90% financing | Up to $90,000 | Up to $60,000 |
| 80% financing | Up to $40,000 | |
| 70% financing | Up to $20,000 | |
| Payment terms up to 96 months |  | |
| Payment terms up to 72 months | | |
| Refinance dealership loans | | |
low rates.
| 100% financing of MSRP | Up to $80,000 |
|---|---|
| 90% financing | Up to $90,000 |
| 80% financing | |
| 70% financing | |
| Payment terms up to 96 months | |
| Payment terms up to 72 months | |
| Refinance dealership loans |
| 100% financing of MSRP | |
|---|---|
| 90% financing | Up to $60,000 |
| 80% financing | Up to $40,000 |
| 70% financing | Up to $20,000 |
| Payment terms up to 96 months | |
| Payment terms up to 72 months | |
| Refinance dealership loans | |
Calculate Your Future
Use our convenient calculators to inform your financial strategy. Estimate how much you’ll have saved in the future, how much you should contribute to savings, and more.
CalculatorsCalculate Your Future
Use our convenient calculators to inform your financial strategy. Estimate how much you’ll have saved in the future, how much you should contribute to savings, and more.
Calculators
“Always above and beyond—cordial, knowledgeable, and friendly.”
– Chris M.
“I had a great experience with my car loan. All the tellers at Mineola are always so kind and helpful.”
– Lilly P.
“Just overall helpful and friendly every time I need something.”
– Kerry C.
“Thank you, Dinora Canales Reyes, for being such a wonderful teller.”
– Lisa Ann M.
“Excellent service from both the front desk and bank office.”
– Michael D.
More to Know
Take Control of Your Terms
Embrace the benefits of flexibility with NCPD Federal Credit Union. We offer payment terms of:
- Up to 96 months for new car loans up to $80,000 with 100% financing OR $90,000 with 90% financing.
- Up to 96 months for used cars up to $60,000 with 90% financing, $40,000 with 80% financing, and $20,000 with 70% financing. Vehicle cannot exceed 8 models years of age. Maximum combined age of vehicle and loan term cannot exceed 12 years. Loan can be prepaid without penalty.
Refinance Your Ride
Considering a switch? Refinance your dealership financing with NCPD Federal Credit Union to potentially lower your monthly payment. Drive with the confidence of optimal rates and
flexible terms.
Pay With Payroll Deduction
At NCPD Federal Credit Union, we believe in convenience. Make vehicle loan payments easily and automatically
with Payroll Deduction for effortless finance management.
Frequently Asked Questions
MSRP stands for “Manufacturer’s Suggested Retail Price.” It’s the price a vehicle’s manufacturer recommends for a vehicle – before any discounts or promotions – that serves as a guide for negotiations between dealerships and customers.
Not at all. NCPD Federal Credit Union can provide financing for a used vehicle you want to purchase from a private seller.
Did you get a new car loan from the dealership and aren’t happy with it? New vehicles purchased
and financed by another lender may be refinanced as new with NCPD Federal Credit Union within
6 months of purchase.
The financing percentage refers to the portion of the vehicle’s price that NCPD FCU is able to finance. If you were to receive 100% financing, for instance, your loan would cover the total cost of the purchase. If you were to receive 90% financing, you would need to provide a 10% down payment.
Payment terms are the length of time that you’ll be repaying your vehicle loan. Longer terms tend
to have smaller monthly payments that may be more affordable upfront, but you might pay more
in interest over the life of the loan. Shorter payment terms might have higher monthly payments,
but you typically pay less total interest.
Get Answers. Get Started.
Our knowledgeable team is ready to help you realize your financial potential.
Find a Branch Contact UsFrequently Asked Questions
MSRP stands for “Manufacturer’s Suggested Retail Price.” It’s the price a vehicle’s manufacturer recommends for a vehicle – before any discounts or promotions – that serves as a guide for negotiations between dealerships and customers.
Not at all. NCPD Federal Credit Union can provide financing for a used vehicle you want to purchase from a private seller.
Did you get a new car loan from the dealership and aren’t happy with it? New vehicles purchased
and financed by another lender may be refinanced as new with NCPD Federal Credit Union within
6 months of purchase.
The financing percentage refers to the portion of the vehicle’s price that NCPD FCU is able to finance. If you were to receive 100% financing, for instance, your loan would cover the total cost of the purchase. If you were to receive 90% financing, you would need to provide a 10% down payment.
Payment terms are the length of time that you’ll be repaying your vehicle loan. Longer terms tend
to have smaller monthly payments that may be more affordable upfront, but you might pay more
in interest over the life of the loan. Shorter payment terms might have higher monthly payments,
but you typically pay less total interest.
Get Answers. Get Started.
Our knowledgeable team is ready to help you realize your financial potential.
Find a Branch Contact UsMore for
Your Life
Have other goals? You’ve
got options.
Personal Loans
Credit Cards
HELOC
Mobile Banking
IRAs
Recreational Vehicle Loans
Craving adventure? Experience it all with competitive financing for new and used motorcycles, boats, and recreational vehicles.
- Up to $60,000 and 72-month payment terms for new or used motorcycles
- Up to $150,000 and 120-month payment terms for new boats and RVs
- Up to $75,000 for pre-owned boats and RVs
Live boldly with NCPD Federal Credit Union.
