AUTOMOBILE LENDING CENTER

Northumberland County School's family of loan products are designed to add assistance to your busy and changing lives. We offer a product for everyone in every stage of life. We make life simple.

As trusted advisors, our Lending Representatives are available to determine which of these programs are best for you. And, once you have completed our application, it will enable you to obtain further loan advances quickly and efficiently by simply updating your credit information. Along with your application you will need to furnish proof of employment and income by supplying a current pay stub or recent tax return (self-employed borrowers).

New Car Loans
No matter what kind of new wheels you are looking for, Northumberland County Schools FCU can help. Qualified borrowers can finance up to 100% of the cost of a new automobile, truck or recreational vehicle (including taxes and tags). We offer a variety of repayment plans (up to 6 years) that allows you to select the rate and term that best suits your budget. Discounts are available for borrowers financing less than 100% of the vehicle's MSRP.
Click Here for Rates

Used Car Loans

Arizona, California, Florida, Georgia, Nevada and Washington State residents - click the link above to have a personal consultant assist you with the car buying process (Other states will be announced as they become available).

If you have found the right deal on a used vehicle, we can help you complete the transaction. Northumberland County Schools FCU will help qualified buyers finance up to 100% (including taxes and tag) of loan value of any car or truck. Discounts are available for borrowers financing less than 100% of the vehicle's value. Click Here for Rates.


Mechanical Repair Coverage

Car repairs aren’t getting cheaper. Major repairs like a transmission can cost $3,000 or more. And even small, but necessary repairs like a wiper motor can cost hundreds of dollars. When your vehicle’s manufacturer’s warranty has expired or if it doesn’t cover certain mechanical problems, you could be stuck with some unexpected expenses over and above your vehicle loan. That’s where adding MEMBER’S CHOICE® Mechanical Repair Coverage to your loan can help. It can deflect some of the risk of costly repairs so you can afford to keep your vehicle running extra miles and extra years. With three different coverage levels and deductibles to choose, there’s a plan to fit your family’s budget. Check with your loan officer for more details on MEMBER’S CHOICE Mechanical Repair Coverage, including benefits, exclusions and limitations.


GAP Insurance - Guaranteed Asset Protection


If your car is stolen or totaled in an accident, will your insurance company repay you for the total amount? For most people, the answer is maybe. GAP insurance covers the gap, or difference, between your car's actual value and what you still owe on it. A one-time payment of $250.00 for GAP insurance could save you thousands if your car is totaled or stolen. Why do you need it? Your car depreciates about 20 percent as soon as you drive it off the lot, and it continues to depreciate significantly for the first two or three years. If your car were to be stolen or totaled during this time, insurance would pay you the actual cash value (ACV) of your car. Your loan amount could be significantly more, however, leaving you on the hook for the difference.

For example, if you pay $20,000 for a new car and a year later it gets totaled, you still owe the lender $17,000. Post accident, your insurance company tells you that the car's ACV is only $14,000. In the end, the insurance pays only $14,000, leaving you with a $3,000 debt to the lender. Unless you have GAP insurance, you'll have to break a lot of piggy banks to pay the difference.

Credit Disability Insurance
Are you protected from the unexpected? Could you manage financially if your income was reduced or eliminated due to a disabling illness or injury? MEMBER'S CHOICE® Credit Disability protection can help. It makes your monthly loan payment, up to the policy maximum, should you become disabled due to a covered illness or injury.

MEMBER'S CHOICE® Credit Disability is convenient, economical, flexible and tailored to your specific needs. It offers these advantages:

  • Makes your covered loan payments if you become disabled.
  • Helps protect credit rating and collateral.
  • Reduces financial burden during recovery.
  • Requires no complicated enrollment forms or physical exam.
  • Offers the convenience of premium included in your loan payment.
Is Life Insurance Enough? Use this Worksheet to determine if you could benefit from MEMBER'S CHOICE® Credit Disability protection. Then ask your loan officer about protecting your next loan.

Credit Life Insurance
MEMBER'S CHOICE® Credit Life gives you an easy way to protect your loved ones from the unexpected. It reduces or pays off your outstanding loan balance, up to the policy maximum, if you were to die before paying off the loan.

MEMBER'S CHOICE® Credit Life is convenient, economical, flexible and tailored to your specific needs. It offers these advantages:
  • Reduces or pays off your covered loan balance.
  • Protects survivor's credit rating.
  • Requires no complicated enrollment forms or physical exam.
  • Offers the convenience of including premium in your loan payment.
  • Helps protect collateral against repossession.
Ask your loan officer about protecting your next loan with either Credit Disability and/or Credit Life Insurance..

Auto Insurance Discounts

MEMBERS® Auto & Homeowners Insurance Program

You trust Northumberland County Schools Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto & Homeowners Insurance Program.

·   The MEMBERS Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members.

·   Access convenient e-service, pay your bill or make changes to your policy, even report a claim.

·   Receive fast, easy access to claims service 24 hours a day.

·   Obtain a free, no-obligation quote.

Click here to start saving! or Call toll-free 1-888-380-9287.

The MEMBERS Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.Y0040_GHA082GH-0111