Q2 2026 call reports
Credit union loan rates in North Carolina
North Carolina credit unions reported a median new auto loan rate of 5.44% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Self-Help Credit Union reported the lowest, 2.49%.
These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| Loan | North Carolina median | US median |
|---|---|---|
| New auto | 5.44% | 5.46% |
| Used auto | 6.25% | 6.32% |
| Credit card | 11.74% | 11.50% |
| Personal | 12.50% | 11.75% |
| Mortgage | 5.54% | 5.75% |
| Home equity | 6.98% | 6.75% |
Lowest credit card rate reported in North Carolina: Lion's Share Federal Credit Union, 8.90%. Lowest first mortgage rate: First Flight Federal Credit Union, 2.25%. (Same size rules as the national rankings.)
Every North Carolina credit union's reported rates
All 57 North Carolina credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.
| Credit union | New auto | Used auto | Credit card | Personal | Mortgage | Home equity |
|---|---|---|---|---|---|---|
| State Employees' Credit Union | 5.00% | 5.50% | 14.25% | 9.75% | 5.75% | 6.25% |
| Coastal Federal Credit Union | 5.99% | 6.59% | 10.92% | 12.24% | 6.13% | 6.90% |
| Truliant Federal Credit Union | 3.99% | 5.99% | 17.99% | 18.00% | 6.50% | 6.50% |
| Civic Federal Credit Union | 5.25% | 3.95% | 13.75% | 10.75% | 3.25% | 6.00% |
| Allegacy Financial Federal Credit Union | 5.41% | 5.52% | 18.00% | 9.85% | 5.40% | 5.75% |
| Self-Help Federal Credit Union | 6.75% | 8.00% | 13.25% | 16.00% | 4.75% | 7.75% |
| Self-Help Credit Union | 2.49% | 9.75% | 13.25% | 16.00% | 3.88% | 7.75% |
| Skyla Federal Credit Union | 4.99% | 5.50% | 14.90% | 12.90% | 5.85% | 7.87% |
| Marine Federal Credit Union | 4.15% | 5.75% | 11.74% | 11.74% | 6.75% | 6.75% |
| Latino Community Credit Union | 5.75% | 8.25% | 16.25% | 16.00% | 6.00% | 6.75% |
| Fort Bragg Federal Credit Union | 6.15% | 5.90% | 11.90% | 9.25% | 6.00% | 6.75% |
| Champion Credit Union | 6.00% | 7.00% | 10.00% | 11.00% | 5.75% | 8.50% |
| Carolinas Telco Federal Credit Union | 5.25% | 6.56% | 14.66% | 8.68% | 4.47% | 7.13% |
| Members Credit Union | 6.32% | 6.51% | – | 14.90% | 6.00% | 7.75% |
| Telco Community Credit Union | 4.49% | 4.59% | 10.90% | 15.00% | 5.59% | 6.63% |
| Mountain Credit Union | 9.29% | 8.41% | 13.33% | 10.17% | 5.17% | 6.77% |
| Summit Credit Union | 7.75% | 7.75% | 10.00% | 14.25% | 7.50% | 7.50% |
| Piedmont Advantage Credit Union | 5.68% | 6.16% | – | 11.45% | 5.32% | 7.25% |
| First Flight Federal Credit Union | 5.50% | 5.50% | – | 10.50% | 2.25% | 7.00% |
| Duke University Federal Credit Union | 4.50% | 4.50% | 9.90% | 9.25% | 6.65% | 7.65% |
| R T P Federal Credit Union | 6.50% | 6.50% | 12.00% | 11.00% | 9.75% | 9.75% |
| Bragg Mutual Federal Credit Union | 5.50% | 6.25% | 13.50% | 13.00% | 5.50% | 6.50% |
| Nova Credit Union | 5.99% | 5.99% | 9.90% | 16.00% | 6.00% | 6.00% |
| Weyco Community Credit Union | 5.00% | 6.00% | 9.00% | 14.00% | 4.85% | 8.25% |
| American Partners Federal Credit Union | 6.81% | 6.57% | 10.18% | 13.10% | 7.57% | 6.98% |
| North Carolina Community Federal Credit Union | 6.29% | 6.74% | 12.00% | 10.75% | 5.75% | 8.25% |
| WNC Community CU | 6.74% | 6.73% | – | 12.62% | 5.04% | 6.95% |
| Welcome Federal Credit Union | 3.50% | 4.50% | 11.49% | 10.49% | 3.59% | 7.50% |
| Carolina Federal Credit Union | 5.24% | 5.74% | 13.50% | 12.75% | 6.75% | 7.25% |
| Revity Federal Credit Union | 6.25% | 6.75% | 10.90% | 12.50% | 6.00% | 7.50% |
| Electel Cooperative Federal Credit Union | 4.50% | 4.70% | 9.90% | 12.00% | – | 6.00% |
| Lion's Share Federal Credit Union | 5.50% | 5.75% | 8.90% | 12.90% | 5.74% | 6.50% |
| Acclaim Federal Credit Union | 5.05% | 6.84% | 12.23% | 11.89% | 3.54% | 7.79% |
| Vision Financial Federal Credit Union | 4.25% | 4.75% | 12.95% | 10.50% | 7.25% | 7.25% |
| Charlotte Fire Department Credit Union | 6.13% | 6.78% | 14.00% | 15.18% | 4.68% | 7.75% |
| Telco Credit Union | 6.30% | 10.40% | 9.99% | 13.25% | 6.85% | 5.75% |
| Healthshare Credit Union | 5.49% | 5.99% | 10.49% | 11.24% | 4.00% | 6.75% |
| Carolina Cooperative Federal Credit Union | 3.10% | 6.38% | 10.90% | 13.00% | 3.93% | 6.78% |
| McDowell Cornerstone Credit Union | 9.74% | 10.74% | – | 14.99% | 5.75% | 7.75% |
| Shuford Federal Credit Union | 5.01% | 6.44% | 9.99% | 13.31% | 6.36% | 6.81% |
| Oteen V. A. Federal Credit Union | 4.49% | 5.99% | 12.70% | 12.00% | 6.00% | 7.50% |
| First Carolina People's Credit Union | 4.50% | 6.25% | 8.00% | 8.00% | 5.36% | 4.75% |
| CS Credit Union | 4.58% | 4.95% | 13.40% | 13.20% | 5.41% | 7.01% |
| Blue Flame Credit Union | 4.39% | 4.79% | 9.90% | 8.99% | 5.45% | 6.75% |
| Emergency Responders Credit Union | 3.75% | 5.35% | 11.00% | 12.51% | 4.25% | 4.25% |
| Lithium Federal Credit Union | 6.25% | 9.99% | 10.90% | 12.50% | – | 7.00% |
| TCP Credit Union | 4.85% | 5.95% | 14.25% | 9.95% | 5.00% | – |
| Greensboro Postal Credit Union | 3.00% | 5.00% | – | 9.00% | 4.25% | 5.50% |
| Greater Kinston Credit Union | 7.75% | 9.00% | – | 12.75% | 5.38% | – |
| Internal Revenue Employees Federal Credit Union | 2.90% | 2.90% | 13.00% | 18.00% | 5.50% | 6.00% |
| North Carolina Press Association Federal Credit Union | 5.00% | 5.50% | 11.25% | 11.25% | 5.00% | – |
| Guco Credit Union | 5.47% | 6.68% | – | 13.30% | – | – |
| Allvac Savings and Credit Union | 10.00% | 10.00% | – | 15.00% | – | – |
| Arcade Credit Union | 5.50% | 6.50% | – | 10.00% | 7.50% | 8.25% |
| HSM Federal Credit Union | 4.70% | 7.49% | 11.49% | 12.56% | – | – |
| Texas Gulf Carolina Emp Credit Union | 10.00% | 12.00% | – | 16.00% | – | – |
| Mount Vernon Baptist Church Credit Union | – | – | – | 12.00% | – | – |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All North Carolina credit unions · Lowest rates nationally