Auto Loans

Auto Loans

Celebrate 250 with Up to $250 Cash Back

For a limited time, get up to $250 cash back when you finance or refinance an eligible auto loan of $10,000 or more and add GAP Protection and Mechanical Repair Coverage. Use promo code “Celebrate250” when applying. Offer valid June 1 – August 31, 2026. Terms and conditions apply. See below for details.

Get Prequalified

Auto Loans That Put You in the Driver’s Seat

Get affordable auto financing with low, fixed rates and flexible terms designed to fit your budget. Whether you’re buying a new or used vehicle or refinancing an existing auto loan, USSFCU makes it quick and easy to apply.

Auto Loan Details:

  • Low, fixed rates for both new and used vehicles
  • Flexible terms up to 84-months1
  • Convenient pre-approval process1
  • Up to 110% financing based on the National Automobile Dealers Association value2

Learn how you could receive up to a 0.50% discount on your rate through our Relationship Discount Program3

In only a few minutes see if you are prequalified and with no impact to your credit score.  

Get Prequalified

Refinancing Made Easy

Refinance your current vehicle with us and explore the potential for a lower interest rate and reduced monthly payments. Our streamlined process ensures a quick and hassle-free experience.

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Additional Benefits

With USSFCU, enjoy added benefits that make your auto purchase or refinance easier and more secure:

RATES

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Covers costly repairs for hundreds of vehicle components, with nationwide access to repair shops and no upfront cost beyond your deductible. Includes rental reimbursement, 24/7 roadside assistance, and travel expense coverage. Extra perks like key fob replacement, dent repair, rideshare use, and mobility equipment are also included. Coverage is transferable if you sell your vehicle.

Click here to learn more, or call Member Services at 800.374.2758.

 

Secure your vehicle investment with USSFCU's Guaranteed Asset Protection (GAP) Plus coverage! If your vehicle is stolen or deemed a total loss in an accident, GAP steps in to bridge the gap between your primary insurance settlement and the remaining balance on your loan. Gain peace of mind and safeguard your vehicle against potential financial setbacks with GAP Plus. Enjoy added protection with a $1,000 contribution towards the principal of a replacement vehicle financed through USSFCU.*

For more information, click here or call 800.374.2758.

* Guaranteed Asset Protection (GAP) is not intended to replace your automobile insurance. It does not provide bodily injury, property damage, liability, or collision insurance and does not comply with any financial responsibility or any other law mandating motor vehicle insurance. All new or used motor vehicles with a maximum loan of $100,000 are eligible. Benefit coverage limits up to $50,000 with a loan term up to 84 months. Recreational Vehicles (RVs including motorcycle, snowmobile, ATV, motor home, classic car, golf cart, watercraft (i.e., boat or jet ski), or similar vehicles) are at a different policy rate and other limits apply. GAP Plus Option: The replacement vehicle must be financed within 90 days of the date your primary insurance company pays the claim on a total loss. Contact the Credit Union at 800.374.2758 for full details.

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Celebrate 250 Promotion Disclosure

Limited time offer. Offer valid for new, used, or refinanced auto loans of $10,000 or more closed between June 1, 2026, and August 31, 2026. Must use promo code: “Celebrate250” when applying to qualify. Commercial vehicles, autos currently financed by USSFCU, or refinancing an auto already financed with USSFCU do not qualify for this promotion. Must qualify for GAP or MRC coverage in order to qualify. Qualifying borrowers will receive a $50 cash bonus for adding USSFCU GAP Protection and a $200 cash bonus for adding USSFCU Mechanical Repair Coverage (MRC). These bonuses are paid as cash incentives and are not loan rebates. Bonuses may be earned individually or combined if both products are added. Bonuses are non-transferable and cannot be combined with other promotional offers. Deposits will be made into the member’s primary savings account within 30 business days of completing the qualifying steps. Terms and conditions are subject to change without notice. All loans are subject to credit approval and eligibility requirements. Rates and/or credit limits are based on creditworthiness, income, and debts. Not all applicants will qualify for the lowest rate. View all rates at ussfcu.org/rates.

Guaranteed Asset Protection (GAP) must be purchased through USSFCU. GAP cannot be financed by members of the Armed Services in California. GAP is not insurance; it is an optional debt cancellation product. It will not affect your credit application or the terms of your loan. Certain eligibility requirements, conditions, and exclusions apply. GAP does not replace automobile insurance. It does not cover bodily injury, property damage, liability, or collision, and it does not meet any legal requirements for motor vehicle insurance. View GAP details at ussfcu.org/GAP.

Mechanical Repair Coverage (MRC) must be purchased through USSFCU. MRC is not available for purchase by residents of California. Eligibility for MRC is based on vehicle VIN and mileage. Some makes and models are excluded. No private party sales, Carvana purchases, third-party broker, or auction services are eligible. MRC is provided and administered by Consumer Program Administrators, Inc., and offered through CUNA Mutual Insurance Agency, Inc. Coverage varies by state and may be underwritten by other entities depending on state of issuance. All coverage is subject to terms, conditions, and exclusions as outlined in the Service Agreement. Offer, terms, and conditions are subject to change without notice. Void where prohibited. For full MRC plan details, visit ussfcu.org/MRC or call 800.374.2758.

Rate & Loan Disclosures

1 APR = Annual Percentage Rate. Rate effective 03/1/2026 and subject to change. All loans are subject to credit approval. Maximum term for the stated “as low as” rate is 36 months. The “as low as” rate reflects the maximum relationship discount available. A 36-month new or used USSFCU auto loan of $15,000 at 4.24% APR = estimated monthly payment of $444. An 84-month new or used USSFCU auto loan of $15,000 at 5.24% APR = estimated monthly payment of $214

Rates and/or credit limits are based on creditworthiness, income, and debts. Not all applicants will qualify. Additional terms and conditions may apply. Contact Member Services at 800.374.2758.

2 Based on the National Automobile Dealers Association valuation. 3 Members who participate in auto pay and online/mobile banking may be eligible to receive a maximum interest rate discount of up to 0.50%. Conditions apply. Visit ussfcu.org/discount or call 800.374.2758 for more information. 4 Guaranteed Asset Protection (GAP) is not intended to replace automobile insurance. It does not provide bodily injury, property damage, liability, or collision insurance and does not comply with any financial responsibility or any other law mandating motor vehicle insurance. All new or used motor vehicles with a maximum loan of $100,000 are eligible. Benefit coverage limits up to $50,000 with a loan term of up to 84 months. Recreational Vehicles (RVs, including motorcycles, snowmobiles, ATVs, motor homes, classic cars, golf carts, watercraft (i.e., boat or jet ski), or similar vehicles) are at a different policy rate, and other limits apply. GAP Plus Option: The replacement vehicle must be financed within 90 days of the date your primary insurance company pays the claim on a total loss. 5 Neither TrueCar nor USSFCU brokers, sells or leases motor vehicles. Unless otherwise noted, all vehicles shown on ussfcu.truecar.com are offered for sale by licensed motor vehicle dealers. Used vehicles are subject to prior sale. By accessing the TrueCar website, you agree to the TrueCar Terms of Service and Privacy Policy.

Members should not send personal information via email. 

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

- Eliza · Washington, DC

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

- Manuel · Bowie, MD

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

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