--- title: "Champion Credit Union: #1 Used Auto Loan in North Carolina" description: "Champion Credit Union has the lowest tracked used-car loan rate in North Carolina (4.74% APR) among 14 credit unions we verify. Champion Credit Union rates today: mortgage 9.14% APR, auto loans from 4.74% APR, personal loans from 2.80% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Champion Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/champion-credit-union" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # Champion Credit Union: #1 Used Auto Loan in North Carolina ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Mobile Homes - New*** other | 9.140% APR | 9.140% | — | Standard | Champion Credit Union mortgage rates as of September 25, 2026 ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New Vehicles (Model Years: 2024 and Newer) - Term of 72 months or less* - Term of 73 to 84 months*** auto_new_84mo | 4.740% APR | 4.740% | 84 mo · new | Standard | | **Used Vehicles (Model Years: 2020-2021) - Term of 60 months or less* - Term of 61 to 66 months - Term of 67 to 78 months** auto_used_66mo | 4.740% APR | 4.740% | 66 mo · used | Standard | | **Used Vehicles (Model Years: 2017-2019) - Term of 48 months or less* - Term of 49 to 54 months -Term of 55 to 66 months** auto_used_54mo | 4.740% APR | 4.740% | 54 mo · used | Standard | Champion Credit Union auto & vehicle rates as of September 25, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share (saving) Secured*** personal_secured | 2.800% APR | 2.800% | — | Standard | | **Personal Loan** personal | 9.740% APR | 9.740% | — | Standard | Champion Credit Union personal loan rates as of September 25, 2026 ### Student loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Grade School, High School and College Tuition Loans*** student | 5.240% APR | 5.240% | — | Standard | Champion Credit Union student loan rates as of September 25, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | 14.990% APR | 14.990% | — | Standard | Champion Credit Union credit card rates as of September 25, 2026 ### Other rates 4 offers | Product | Published | Rate | Term / condition | Status | | **120 Months Or Less (Less Than 10 Years Old)*** other | 7.390% % | 7.390% | — | Standard | | **121 Months To 180 Months (Less Than 10 Years Old)*** other | 8.390% % | 8.390% | — | Standard | | **60 Months Or Less (10 Years And Older)*** other | 10.390% % | 10.390% | — | Standard | | **Mobile Homes - Used*** other | 10.640% % | 10.640% | — | Standard | Champion Credit Union other rates as of September 25, 2026 As of September 25, 2026, Champion Credit Union offers mortgage rates from 9.14% APR. Auto loans available from 4.74% APR for 84 months. Personal loan rates from 2.8% APR. Credit card rates from 14.99% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/champion) , verified from [Champion Credit Union's official website](https://www.championcu.com/) Best product position **#1 of 14** used-car loan Gap to state best **0 bp** State market leader Vs. state median **51 bp better than median** used-car loan Products ranked **3** across tracked North Carolina markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 4.74% | Better than the North Carolina median | 75 bp from state best | 26 bp better than median | | used-car loan | 4.74% | #1 of 14 · lowest in North Carolina | State market leader | 51 bp better than median | | personal loan | 2.80% | Better than the North Carolina median | 60 bp from state best | 719 bp better than median | Published rate position by product as of September 25, 2026 This is the public snapshot. Claim Champion 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=champion&state=north-carolina&code=NC&name=Champion%20Credit%20Union) Loading branch locator… ## About Champion Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 36.1K Assets $555.1M Founded 1932 Locations reported 8 NCUA charter 60721 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Bilingual services - Student scholarships - Credit-builder products 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. [**WNC Community CU** WNC Community CU · Waynesville · NC · 28786-6099 About 8.1 miles away](https://rateapi.dev/credit-unions/north-carolina/wnc-community-cu) [**State Employees'** WAYNESVILLE · CLYDE · NC · 28721 About 8.4 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) [**Telco Community Credit Union** Waynesville · Waynesville · NC · 28786-3874 About 8.6 miles away](https://rateapi.dev/credit-unions/north-carolina/telco-community-credit-union) [**Mountain** Mountain Credit Union · Waynesville · NC · 28786 About 9.5 miles away](https://rateapi.dev/credit-unions/north-carolina/mountain) [**Civic** Asheville · Asheville · NC · 28806 About 14.7 miles away](https://rateapi.dev/credit-unions/north-carolina/civic) [**United** Asheville - Branch 24 · Asheville · NC · 28806 About 16.6 miles away](https://rateapi.dev/credit-unions/michigan/united) 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 Champion Credit Union Membership eligibility from Champion Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in NC - Location NC Verified from [Champion Credit Union's membership page](https://www.championcu.com/apply-now) . Final membership determination is always made by the credit union. ## Work at Champion 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 Champion Credit Union ranks against North Carolina peers. - See which AI assistants fetched Champion Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=champion&state=north-carolina&code=NC&name=Champion%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Champion Credit Union offer? Champion Credit Union currently offers mortgage, Auto loan, personal loan, student loan, and credit card rates. The rates shown on this page were last verified September 25, 2026 directly from the credit union's official website. ### How often are Champion Credit Union rates updated? RateAPI verifies Champion Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified September 25, 2026. ### Where does RateAPI get Champion Credit Union's rate data? Rate data is collected directly from Champion Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Champion Credit Union's mortgage rate? As of September 25, 2026, Champion Credit Union offers mortgage rates from 9.14% APR. ### What are Champion Credit Union's auto loan rates? As of September 25, 2026, Champion Credit Union offers auto loans from 4.74% APR. ### What is Champion Credit Union's personal loan rate? As of September 25, 2026, Champion Credit Union offers personal loans from 2.8% APR. ### Who can join Champion Credit Union? Community charter: live/work in NC ## Related Rate Data Compare Champion Credit Union's rates against national credit-union benchmarks. [More North Carolina credit unions](https://rateapi.dev/credit-unions/north-carolina) [North Carolina mortgage rate leaders](https://rateapi.dev/mortgage-rates/north-carolina) [North Carolina auto loan rate leaders](https://rateapi.dev/auto-loan-rates/north-carolina) [North Carolina personal loan leaders](https://rateapi.dev/personal-loan-rates/north-carolina) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.championcu.com/) ### 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 Champion Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Carolina 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 Champion Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /champion " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Champion Credit Union locations Search, filter, and browse all 8 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/north-carolina/champion-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp