To redeem the cruise certificate, a $26 registration fee is required. When booking the cruise, members will also pay $46 per person, per day to cover port charges and taxes. Additional costs such as transportation, gratuities, and other onboard expenses are not included
Enjoy a Cruise for Two
Finance your next vehicle and set sail.
New, used, or refinanced auto loans qualify for a 5-day cruise for two on us.¹
Cruise into Savings
Apply for a new or used auto loan or refinance your auto loan from another financial institution with us at Neighborhood Credit Union and we’ll treat you with an up to 5-day cruise for two. With a new, used, or refinanced auto loan from another lender, you’ll enjoy our competitive rates as low as 3.99% APR* and receive a certificate toward a tropical getaway.
Your Cruise Certificate Includes:
Up to a 5-day, 4-night cruise for two to exciting destinations like Mexico, the Bahamas, or the Western Caribbean. Set sail aboard a luxury cruise ship from top cruise lines such as Royal Caribbean and Carnival.
Your getaway features:
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A private interior stateroom with a king-size bed or two twins (double occupancy)
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All-inclusive gourmet meals and snacks
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24-hour complimentary room service
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Onboard activities, entertainment, and shopping
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First-run movies and nightly shows
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Visits to beautiful, vibrant ports
This is your chance to relax, recharge, and cruise in style.
Please note: This offer is only valid for new, used, and refinanced auto loans from another financial institution. Refinancing existing Neighborhood Credit Union auto loans do not qualify. To redeem the cruise certificate, a $26 registration fee per person is required. When booking the cruise, members will also pay $49.60 per person, per day to cover port charges and taxes. Additional costs such as transportation, gratuities, and other onboard expenses are not included.
The Details
| Who is this for? |
Members looking for a new or used auto loan, or refinancing from another lender, for great rates, flexible terms, and a vacation!
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| Amount to Refinance for Cruise Offer | Minimum of $15,000 |
| Interest Rate | As low as 3.99% APR* for new and used vehicles.‡ View all rates here. |
| Terms | Up to 72 months |
| Low Fees | No origination fee and no prepayment penalty |
¹Must be 18 years or older and a member of Neighborhood CU. Subject to credit approval. Offer valid for new and used car financing or refinancing auto loans from another financial institution funded between April 1 thru June 30, 2026. Existing Neighborhood CU auto loans are not eligible. Only passenger vehicles qualify; other vehicle types are excluded. Minimum loan amount $15,000. Cruise certificate issued upon funding of qualifying loan; delivery coordinated during loan process. Certificate entitles the primary borrower and one guest to a 3, 4, or 5 night cruise to Mexico, the Bahamas, or the Western Caribbean from available ports in a lower deck, outside stateroom. Travelers are responsible for government taxes, carrier and agency imposed fees which are subject to change without notice, per person fees as defined on the promotional certificate, along with charges incurred in excess of this offer, such as but not limited to: airfare, transportation to and from airports, hotels, and cruise port, purchased additional travel options, travel upgrades, meals other than meals and snacks on cruises and gratuities. Additional charges may apply. Certificate must be registered within 6 months from the issue date, by the individual that received this certificate online @ goptd.com and redemption within stated timeframes; restrictions and blackout dates may apply. Certificates registered outside of the registration period are subject to being voided. The travel certificate expires 1 year from the date registered, which must occur within 6 months from the Date Issued. Non-transferable, no cash value. Cannot be combined with other offers.
*Lowest advertised rate reflects the maximum 0.50% rate discount. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program (not applicable to auto loan refinancing). *Current year vehicles with mileage 5,000 and under may be eligible for New Auto interest rates.
How it Works:
STEP 1
Apply Online
Enter your info and details into our simple online portal.
STEP 2
Get Approved
We’ll promptly let you know what rate and term we can offer based on your vehicle and financial goals.
STEP 3
Set Sail!
Once the loan has been funded, you will receive a certificate to book your 5 day cruise!
| Loan Terms | Interest Rate |
|---|---|
| New Auto Purchase | |
| 54 months or less | As low as 3.99% APR‡ |
| 72 months | As low as 4.49% APR‡ |
| Used Auto Purchase | |
| 54 months or less | As low as 4.49% APR‡ |
| 72 months | As low as 4.74% APR‡ |
| Auto Loan Refinancing | |
| 54 months or less | As low as 4.64% APR‡ |
| 72 months | As low as 5.14% APR‡ |
| Other Vehicle Loans or Refinance (RV & Boat) | |
| 72 months or less | As low as 6.24% APR‡ |
| 95 months | As low as 7.49% APR‡ |
| Other Vehicle Loans or Refinance (ATVs & Motorcycle) | |
| 54 months or less | As low as 5.74% APR‡ |
| 72 months | As low as 6.49% APR‡ |
‡Lowest advertised rate includes the maximum 0.50% discount for new and used auto loans and the 0.35% discount for auto loan refinancing. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program (not applicable for refinancing).
FAQs
Neighborhood Credit Union members who apply for a new or used auto loan or refinance their current auto loan from another financial institution ($15,00 minimum) will receive a free cruise for two.
Your cruise certificate entitles you and a guest, to a 5 Day/4 Night cruise vacation for two to Mexico, the Bahamas, or the Western Caribbean. Enjoy your time aboard a luxury cruise ship from Royal Caribbean, Carnival or other major cruise lines. Your vacation includes a beautiful interior stateroom with a king-size bed or two twins (based on double occupancy), all onboard gourmet meals and snacks, 24 hour complimentary room service, dozens of exciting shipboard activities, a wide range of nightly entertainment, first run movies, shopping and fabulous ports to visit.
You can upgrade to an ocean view stateroom, a balcony stateroom, mini or large suite, or a family cabin that sleeps 4 people. There will be an additional upgrade fee to cover the cost difference, based upon the port of departure, travel dates, cruise line, cruise ship and itinerary selected. All upgrades are subject to availability.
Members can refinance an existing Neighborhood CU auto loan and get a great rate, but are not eligible for a free cruise certificate.
During your loan process, we will coordinate with you to either pick up your cruise certificate or mail it to you once the loan has been completed.
Your cruise certificate must be registered within 45 days of issuance and pay the booking fee of $26 per person. You have 18 months from the issue date to book and complete your cruise.
Yes! Your cruise certificate can be extended up to an 8 Day/7 Night cruise vacation at a special rate. Any extended cruise is subject to availability based on port of departure, travel dates, cruise line, cruise ship, itinerary, and room allocations.
You can bring additional cruise guests and they will receive a special group rate pricing. Kids or guests in the same stateroom are usually available at a significantly discounted rate. Larger family staterooms are available for an additional fee.
Free cruise certificates are limited to one per household, but you can finance as many auto loans as you would like to take advantage of Neighborhood Credit Union’s great rates.
‡Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $10,000 required. Lowest advertised rate includes the maximum 0.50% discount for new and used auto loans and 0.35% discount for auto loan refinancing. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program (not applicable for refinancing). Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check. Rates subject to change. Equal Opportunity Lender.