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Loan Rates

Consumer Loan Rates

Explore Nashville Post Office Credit Union's competitive interest rates for auto loans, credit cards, personal loans, lines of credit, and mortgages to find the affordable financing option that fits your budget.

New Auto
Used Auto
Motorcycle
Other Secured
Signature Line of Credit
Share or Certificate Secured
VISA Platinum
Secured VISA Platinum
Mortgage Loans

Loan Rates

As of January 1, 2026

New Auto
Maximum Term
APR**
60 Months
4% - 18%
72 Months
4.5% - 18%
84 Months*
5% - 18%

*The 84-month term is for new vehicles only.
**APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

Used Auto
Maximum Term
APR**
60 Months
4.5% - 18%
72 Months
5% - 18%

**APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

Motorcycle
Maximum Term
APR**
60 Months
6% - 18%
72 Months
6.5% - 18%

**APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

Other Secured*
Maximum Term
APR**
72 Months
7.75% - 18%
84 Months
8.25% - 18%
96 Months
8.75% - 18%
108 Months
9.25% - 18%
120 Months
9.75% - 18%

*This category includes watercraft, recreational vehicles, motor homes, lawnmowers, and tractors.
**APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

Signature Line of Credit
Maximum Term
APR**
72 Months
12% - 18%

**APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

Signature Loans
Maximum Term
APR**
72 Months
13% - 18%

**APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

Share or Certificate Secured
APR**
2% above rate on deposit account

**APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

VISA Platinum
No Annual Fee - 10 day grace period
APR**
11% - 18%

**APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

Secured VISA Platinum
No Annual Fee - 10 day grace period
APR**
6.99%

**APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

Mortgage Loans
NPOCU offers several types of Mortgage Loans- First Mortgages, Home Equity Loans and refinancing of current Mortgage Loans. Please contact the Mortgage Department for current rates or questions.

All rates are subject to change. The loan rate you recieve may vary from the quoted rate due to your credit history. Terms may vary.