The Nova Credit Union All Credit Levels is a cdfi lender from Nova Credit Union. The ongoing APR is 3.75%. Rewards: Cash for referring family and friends, youth financial literacy programs. This product reports activity to your personal credit report. Nova Credit Union is a community-focused credit union located in Charlotte, NC, offering a range of financial services to its members. They serve individuals and families in the local community, providing access to various lending options and financial education resources. Services include: auto loans, mortgages, personal loans. US Treasury certified CDFI Credit Union in Charlotte, NC. Membership required.