Auto Loan

Flexible terms, low rates, and knowing what you really need are our strengths.

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Want to refinance a non-CFCU auto loan? We may be able to beat your current auto loan rate and save you money. Check out our refinance promotion.


  • Flexible repayment terms up to 84 months.

  • No prepayment penalties.

  • Some of the best local and national rates!

  • Quick application process, find out if you qualify today.

  • Partners with many local dealers to allow you to get a loan at the dealership.

  • Clear, understandable loan process handled by professional and knowledgeable staff


Table data for Auto Loan Rates
 Rates as of 6/1/2021
Annual Percentage Rate as low as Term Payment per $1,000 Alert Me
Newer Autos/Motorcycles 2018 - 2022 2.75% up to 36 months $28.97
at 36 mo
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Newer Autos/Motorcycles 2018 - 2022 3.25% 37-60 months $18.08
at 60 mo
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Newer Autos/Motorcycles 2018 - 2022 3.75% up to 72 months $15.54
at 72 mo
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Newer Autos/Motorcycles 2018-2022 5.75% 84 months $14.49
at 84 mo
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Used Autos/Motorcycles 2013 - 2017 4.25% up to 60 months $18.54
at 60 mo
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Used Autos/Motorcycles 2009 - 2012 7.00% up to 48 months (Maximum loan amount of $10,000) $23.95
at 48 mo
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Rates quoted “as low as” are subject to change without notice. Rate determined by credit score, term of loan, and model year of vehicle. All loan applications are subject to approval. The Credit Union reviews every loan application to ensure fairness and compliance to CFCU policy.

What is APR?

CFCU's Car Shopping Tool

Simplify your car buying process by using CFCU's Car Shopping Tool!

  • Search local inventory
  • Save cars for future research
  • Shop with confidence and apply for credit union pre-approval
  • CarFax reports, vehicle comparison, and more!

Visit your exclusive auto buying center today!


Auto Insurance

Looking for Auto Insurance? Save an average of $706!*

CFCU Insurance Services wants to put money back in YOUR pocket with affordable Auto Insurance. Call today for multiple affordable quotes and get on the road to savings without delay!

Click to learn more.

* Average Savings figure is a national average savings number from August 2019 to July 2020 of auto policyholders’ savings per customer when compared to the policyholders’ former premiums. Individual premiums and savings will vary. Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by CFCU Community Credit Union or any affiliated entity; and may lose value. Any  insurance required as a condition of the extension of credit by CFCU Community Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the member’s choice.

GAP Coverage

Most insurance policies only cover the value of the vehicle, something that rapidly declines during the first years of ownership. If your vehicle, boat, motorcycle, or RV is stolen or involved in a major accident, you could lose your investment.

Guaranteed Asset Protection (GAP) is a non-insurance product and is made available via a loan/lease deficiency waiver that covers the "gap" between the vehicle's value and the amount you still owe. Essentially, GAP covers the difference between your primary carrier's insurance settlement and the payoff of your loan or lease, less delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges, less your deductible. This is an optional product offering from CFCU.

Don't owe on your loan after an accident, have it covered with our GAP product.

Borrower Security - Protect your family against the unexpected.

Life can be wonderful. But it also can get complicated when unexpected things happen. Protecting your loan payments against death, disability, or involuntary unemployment could help protect your finances.

This protection could cancel you loan balance or payments up to the contract maximums. Protect your loan payments today so you can worry a little less about tomorrow. Purchasing protection is voluntary and won't affect your loan approval. It's simple to apply. Ask your loan officer about eligibility, conditions, or exclusions*

*Refer to member agreement for a full explanation of terms and conditions.

Mechanical Repair Coverage - Lighten the financial burden from breakdowns.

As your vehicle gets older and miles add up, will you be able to afford the repairs you need to keep your car on the road? Mechancial Repair Coverage can help limit the cost of any covered breakdowns. You pay only the applicable deductible, if any. Mechancial Repair Coverage can help lighten the financial burden for you and the people you care about. Worry a little less about tomorrow and get covered today!

Want more details? Go to or talk to your Loan Officer today!