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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270

Finance Your Next Vehicle and Choose Your Getaway

Rates as low as 3.99% APR*
 
Qualifying borrowers can choose a Resort Escape, Cruise for Two, or Great American Road Trip travel certificate.¹
 
 

Three Ways to Escape

Whether you're buying your next vehicle or refinancing from another financial institution, Neighborhood Credit Union can help you save with rates as low as 3.99% APR* and flexible terms. During The Great Escape Auto Loan Event, qualifying borrowers can also choose a travel certificate for one of three getaway experiences.
 
 
 
 
✈️ Your Vacation Passport

🏖️ Resort Escape

7 Nights | Up to 4 travelers | Destinations across the U.S.

🚢 Cruise for Two

3–5 Nights | Two adult travelers | Meals and entertainment included

🚗 Great American Road Trip

4 Hotel Nights | Family friendly | National hotel brands

 

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

Choose Your Getaway

Once the loan has been funded, you will receive instructions via email on how to book your vacation!


Apply Now

The Details

 
Who is this for? Members financing a new or used passenger vehicle or refinancing an auto loan from another financial institution. 
Offer Period July 1, 2026 – September 30, 2026
Minimum Loan Amount $15,000
Eligible Vehicles New and used passenger vehicles only
Reward Options Choose a Resort Stay, Cruise for Two, or Great American Road Trip
Interest Rate As low as 3.99% APR* for qualified borrowers
Terms Up to 72 months
Low Fees No origination fee and no prepayment penalty

 *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.

 

¹APR = Annual Percentage Rate. Rates effective as of October 1, 2025. Must 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 funded between 7/1/2026 – 9/30/2026. Existing Neighborhood CU auto loans are not eligible. Only passenger vehicles qualify. Minimum loan amount $15,000. Reward certificate issued upon funding of qualifying loan. At least 30 days advance notice is required for reservations. A reservation deposit of $150 is due after registration. The registered certificate holder may request a return of their reservation deposit at any time prior to the confirmation of travel by following the cancellation process defined in the terms and conditions. Primary borrower will choose one option from the following reward types: a) Resort Condominium Stay - Certificate entitles the primary borrower a 7-night resort condominium vacation for up to four travelers Choose from destinations across the 48 Continental U.S, Accommodation is provided at available resort properties in a resort condominium that sleep up to 4 travelers. Accommodations are limited during peak seasons. Government Taxes, Carrier and Agency Imposed Fees are paid by the travelers at the time of booking, starting at $249 for each condominium unit reserved. Additional resort fees may be due at check in which are charged and collected by the resort. b) 3, 4, 5 Night Cruise for Two - Certificate entitles the primary borrower and one guest a 3, 4, or 5-night cruise for two adults, departing from a variety of ports. Cruise accommodation is provided in a lower deck, outside stateroom. Peak season sailings are not included as part of the standard certificate offer but may be requested separately. Cruise itineraries are subject to availability. Peak season periods vary by cruise line but generally include all major holidays and sailings from June through August. Meals and snacks are included as well as entertainment and other onboard activities. Government Taxes, Carrier and Agency Imposed Fees are the responsibility of the travelers approximately $145 per person for a 3-night cruise, $151 per person for a 4-night cruise or $157 per person for a 5-night cruise. c) 5 Day 4 Night Road Trip - Certificate entitles the primary borrower year-round any day of week check in, includes 4-night tourist class standard accommodations at a Marriott Courtyard, Marriott Fairfield Inn, Hilton Gardens, Wyndham Gardens, Wingate or LaQuinta for 2 adults and up to 2 children under the age of 18, Accommodations are based on standard room availability. Accommodations are based on selected destination availability which may be limited during peak seasons. Peak seasons may vary by location. Accommodations for New York City, San Francisco, Boston, and Washington D.C. are provided outside of the city center areas. Government Taxes, Carrier and Agency Imposed Fees are due by the travelers at time of booking and are approximately $16 to $39 per night. For all reward types, government taxes, carrier and agency-imposed fees are subject to change. Additional charges may apply. The travel certificate expires 1 year from the date registered. Certificate must be registered within 6 months from the issue date, by the individual that received this certificate online @ gocrv.com and redemption within stated timeframes. Certificates registered outside of the registration period are subject to being voided. Non-transferable, no cash value. Cannot be combined with other offers. 









Why Finance Your Auto Loan with Neighborhood Credit Union?

 
 
✔ Competitive auto loan rates as low as 3.99% APR*
✔ Flexible repayment terms up to 72 months
✔ Fast application process and local service from a trusted Texas credit union

Competitively Low New & Used Vehicle Loan Rates 

 
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FAQs

Members age 18 or older may qualify when they finance a new or used passenger vehicle or refinance an auto loan from another financial institution with Neighborhood Credit Union between July 1 and September 30, 2026. Loans must be at least $15,000 and are subject to credit approval. Existing Neighborhood Credit Union auto loans are not eligible. Qualifying borrowers will receive a travel certificate and may choose one of three options: a 7-night Resort Escape for up to four travelers, a 3, 4, or 5-night Cruise for Two, or a 5-day, 4-night Great American Road Trip for two adults and up to two children. Taxes, fees, deposits, restrictions, and availability requirements apply.

Members can refinance an existing Neighborhood CU auto loan and get a great rate, but are not eligible for a cruise certificate.

Qualifying borrowers will receive their travel certificate after their loan has been funded. The certificate must be registered within 6 months of the issue date by the person who received it. Once registered, the certificate is valid for 1 year and may be redeemed according to the terms and availability of the selected travel option.

Travel certificates may be canceled before travel is confirmed, subject to the certificate terms. Once a reservation has been confirmed, cancellations or changes may result in additional charges and the loss of fees, deposits, or future certificate eligibility.

Reservations and certificate support are handled by Customer Service Network Group, also known as CSNG. Visit gocrv.com or call the phone number listed on your certificate for assistance. Have your certificate number available.