--- title: "New Century Credit Union: #1 New Auto Loan in Illinois" description: "New Century Credit Union has the lowest tracked new-car loan rate in Illinois (3.90% APR) among 50 credit unions we verify. New Century Credit Union rates today: vehicle loans from 3.90% APR, HELOC from 6.24% APR, savings & CDs up to 4.36% APY, personal loans from 8.90% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join New Century Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/new-century" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # New Century Credit Union: #1 New Auto Loan in Illinois ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **New Auto or Truck (2025 & newer) (12-36 months)** auto_new_36mo | 3.900% APR | 3.900% | 36 mo · new | Standard | | **Used Auto or Truck (2021 - 2024) (12-36 months)** auto_used_36mo | 4.150% APR | 4.150% | 36 mo · used | Standard | | **New Auto or Truck (2025 & newer) (37-60 months)** auto_new_60mo | 4.400% APR | 4.400% | 60 mo · new | Standard | | **Used Auto or Truck (2021 - 2024) (37-60 months)** auto_used_60mo | 4.650% APR | 4.650% | 60 mo · used | Standard | | **Used Auto or Truck (2021 - 2024) (61-72 months)** auto_used_72mo | 5.150% APR | 5.150% | 72 mo · used | Standard | | **New Auto or Truck (2025 & newer) (73-84 months)** auto_new_84mo | 5.400% APR | 5.400% | 84 mo · new | Standard | | **Used Auto or Truck (2020 and older) (37-60 months)** auto_used_60mo | 5.400% APR | 5.400% | 60 mo · used | Standard | | **Recreational Vehicles** (12-84 months)** rv_any_84mo | 6.490% APR | 6.490% | 84 mo | Standard | | **Recreational Vehicles** (85-120 months)** rv_any_120mo | 6.990% APR | 6.990% | 120 mo | Standard | | **Recreational Vehicles** (121-180 months)** rv_any_180mo | 7.490% APR | 7.490% | 180 mo | Standard | New Century Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **No Fee Fixed Rate Home Equity Loans (60 months)** heloc_fixed | 6.240% APR | 6.240% | — | Standard | | **No Fee Fixed Rate Home Equity Loans (120 months)** heloc_fixed | 6.740% APR | 6.740% | — | Standard | | **No Fee Fixed Rate Home Equity Loans (180 months)** heloc_fixed | 7.240% APR | 7.240% | — | Standard | New Century Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Up to 60-Month Signature Loan** personal_unsecured_60mo | 8.900% APR | 8.900% | 60 mo | Standard | New Century Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 15 offers | Product | Published | Rate | Term / condition | Status | | **6-Month Certificate ($1,000+)** cd_6mo | 1.26% APY | 1.26% | 6 mo | Standard | | **Certificate** cd | 2.00% APY | 2.00% | — | Standard | | **12-Month Certificate ($1,000+)** cd_12mo | 2.27% APY | 2.27% | 12 mo | Standard | | **Traditional IRA and Roth IRA Certificates of Deposit ($1,000 minimum balance) (1 Year)** ira_cd_12mo | 2.27% APY | 2.27% | 12 mo | Standard | | **24-Month Certificate ($1,000+)** cd_24mo | 2.42% APY | 2.42% | 24 mo | Standard | | **Traditional IRA and Roth IRA Certificates of Deposit ($1,000 minimum balance) (2 Years)** ira_cd_24mo | 2.42% APY | 2.42% | 24 mo | Standard | | **36-Month Certificate ($1,000+)** cd_36mo | 2.52% APY | 2.52% | 36 mo | Standard | | **Traditional IRA and Roth IRA Certificates of Deposit ($1,000 minimum balance) (3 Years)** ira_cd_36mo | 2.52% APY | 2.52% | 36 mo | Standard | | **Traditional IRA and Roth IRA Certificates of Deposit ($1,000 minimum balance) (4 Years)** ira_cd_48mo | 2.73% APY | 2.73% | 48 mo | Standard | | **48-Month Certificate ($1,000+)** cd_48mo | 2.73% APY | 2.73% | 48 mo | Standard | | **60-Month Certificate ($1,000+)** cd_60mo | 2.93% APY | 2.93% | 60 mo | Standard | | **Traditional IRA and Roth IRA Certificates of Deposit ($1,000 minimum balance) (5 Years)** ira_cd_60mo | 2.93% APY | 2.93% | 60 mo | Standard | | **Shares** savings | 3.50% APY | 3.50% | — | Standard | | **13-Month Certificate ($1,000+)** cd_13mo | 4.36% APY | 4.36% | 13 mo | Standard | | **Traditional IRA and Roth IRA Certificates of Deposit ($1,000 minimum balance) (13 Month Special)** ira_cd_13mo | 4.36% APY | 4.36% | 13 mo | Standard | New Century Credit Union savings & cd rates as of November 12, 2026 Vehicle loans available from 3.9% APR for 36 months. HELOC rates from 6.24% APR. Personal loan rates from 8.9% APR. Savings and certificate yields up to 4.36% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/new-century) , verified from [New Century Credit Union's official website](https://www.newcenturyfcu.org/) Best product position **#1 of 50** new-car loan Gap to state best **0 bp** State market leader Vs. state median **160 bp better than median** new-car loan Products ranked **4** across tracked Illinois markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 3.90% | #1 of 50 · lowest in Illinois | State market leader | 160 bp better than median | | used-car loan | 4.15% | #1 of 30 · lowest in Illinois | State market leader | 185 bp better than median | | HELOC | 6.24% | #1 of 27 · lowest in Illinois | State market leader | 75 bp better than median | | personal loan | 8.90% | Better than the Illinois median | 685 bp from state best | 85 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim New Century Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=new-century&state=illinois&code=IL&name=New%20Century%20Credit%20Union) Loading branch locator… ## About New Century Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.5K Assets $59.1M Founded 1936 Locations reported 2 NCUA charter 1251 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Financial counseling - Financial education - Bilingual services - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Numark** Crest Hill Branch · Crest Hill · IL · 60403 About 1.4 miles away](https://rateapi.dev/credit-unions/illinois/numark) [**Joliet Firefighters** Joliet Firefighters Credit Union · Joliet · IL · 60431-8627 About 3.3 miles away](https://rateapi.dev/credit-unions/illinois/joliet-firefighters) [**Joliet Municipal Employees** joliet municipal employees federal credit union · joliet · IL · 60432 About 3.7 miles away](https://rateapi.dev/credit-unions/illinois/joliet-municipal-employees) [**Canals & Trails** Canals & Trails Credit Union Main Office · Lockport · IL · 60441-3434 About 4.7 miles away](https://rateapi.dev/credit-unions/illinois/canals-trails) [**CBI** Main Office · Plainfield · IL · 60544-5560 About 6.5 miles away](https://rateapi.dev/credit-unions/illinois/cbi) [**Greenstate** Plainfield · Plainfield · IL · 60585 About 7.3 miles away](https://rateapi.dev/credit-unions/iowa/greenstate) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join New Century Credit Union Membership eligibility from New Century Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on New Century Credit Union's website. Check the membership page below to confirm whether you qualify. - Location IL - Employer partner payroll groups Verified from [New Century Credit Union's membership page](https://www.newcenturyfcu.org/about/membership/) . Final membership determination is always made by the credit union. ## Membership rules for New Century Credit Union Geography 6 · Employers · Family 2 9 published paths to membership, last verified August 27, 2026, quoted from New Century Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Joliet, IL - Lockport, IL - Rockdale, IL “Anyone living or working on the east side of Joliet or specific areas of Crest Hill, Lockport or Rockdale” > [source ↗](https://www.newcenturyfcu.org/about/membership/) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of partner payroll groups “Work for one of our partner payroll groups” > [source ↗](https://www.newcenturyfcu.org/about/membership/) - Employee of partner payroll groups ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family member “If you are an immediate family member of a New Century FCU member” > [source ↗](https://www.newcenturyfcu.org/about/membership/) - Family member (immediate family member) of a member - Family of a member immediate family “If you are an immediate family member of a New Century FCU member” > [source ↗](https://www.newcenturyfcu.org/about/membership/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for New Century Credit Union? Yes No ## Work at New Century Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where New Century Credit Union ranks against Illinois peers. - See which AI assistants fetched New Century Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Illinois - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=new-century&state=illinois&code=IL&name=New%20Century%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does New Century Credit Union offer? New Century Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are New Century Credit Union rates updated? RateAPI verifies New Century Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get New Century Credit Union's rate data? Rate data is collected directly from New Century Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are New Century Credit Union's auto & rv loan rates? As of November 12, 2026, New Century Credit Union offers vehicle loans from 3.9% APR. ### What is New Century Credit Union's HELOC rate? As of November 12, 2026, New Century Credit Union offers home equity lines of credit from 6.24% APR. ### What is New Century Credit Union's personal loan rate? As of November 12, 2026, New Century Credit Union offers personal loans from 8.9% APR. ### What is New Century Credit Union's best CD rate? As of November 12, 2026, New Century Credit Union offers savings and certificate (CD) yields up to 4.36% APY. ### Who can join New Century Credit Union? New Century Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 6 geographic areas and 1 employer for New Century Credit Union, each quoted from New Century Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare New Century Credit Union's rates against national credit-union benchmarks. [More Illinois credit unions](https://rateapi.dev/credit-unions/illinois) [Illinois auto loan rate leaders](https://rateapi.dev/auto-loan-rates/illinois) [Illinois HELOC rate leaders](https://rateapi.dev/heloc-rates/illinois) [Illinois personal loan leaders](https://rateapi.dev/personal-loan-rates/illinois) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.newcenturyfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track New Century Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Illinois credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for New Century Credit Union curl "https://api.rateapi.dev/credit-unions/illinois /new-century " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## New Century Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/illinois/new-century Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp