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Cruise into Summer: A Credit Union Approach to Smarter Auto Loans

Published: June 27, 2025

Cruise into Summer: A Credit Union Approach to Smarter Auto Loans

If you're thinking about hitting the road this summer, now’s the perfect time to take a closer look at your auto loan. Whether you're planning a vacation, eyeing a new ride, or simply trying to reduce monthly expenses, refinancing your current loan or financing a new vehicle through USSFCU could make your summer even brighter.

Why Consider Refinancing?

Auto loan refinancing means replacing your existing loan with a new one—usually to get a better interest rate, lower monthly payments, or a shorter loan term. If your credit has improved or rates have dropped since you first financed your vehicle, you could save a significant amount over the life of your loan.

For example: If you have a $25,000 loan at the national average rate of 7.42% (Bankrate, June 2025) and refinance with USSFCU’s rate as low as 4.24% APR, you could save over $1,900 in interest and reduce your monthly payment by about $32.

A Better Rate—and a Better Lending Experience

Unlike banks, which are for-profit institutions, credit unions like USSFCU are not-for-profit and member-owned. That means we return value to you through lower loan rates, fewer fees, and more personalized service. You’re not just a customer—you’re part of our cooperative.

Limited-Time Summer Bonus: GAP Plus at No Cost

From now through July 31, 2025, when you finance or refinance an auto loan of $10,000 or more with USSFCU, you’ll receive GAP Plus—valued at $499—at no additional cost. GAP Plus helps cover the difference between what you owe on your vehicle and what your insurance pays if it’s ever stolen or totaled.

Learn more at ussfcu.org/auto.

Thinking About a New Vehicle?

Summer often brings great dealership promotions—and we’re here to help you make the most of them. Whether you're upgrading to a newer model or buying your first car, USSFCU offers competitive rates and flexible terms to help you finance with confidence.

Want help navigating the car-buying process?

Join us for our upcoming webinar:

Cruise into Summer: Your Guide to Smart Auto Buying

Wednesday, July 2 | 6:00 PM ET
From researching vehicles and understanding dealer tactics to exploring financing options and planning your budget, this session will give you the tools to make smart, informed decisions—whether you're buying new or used.

Register Now

We’re Here When You’re Ready

Ready to get started? Just visit ussfcu.org/auto to check our current rates, explore your options, and apply online—or give us a call at 800-374-2758 if you’d like to talk it through.

Wherever the road takes you this summer, make sure your financing is working as hard as you are.

Article content is provided for information purposes only. APR = Annual Percentage Rate. All loans subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. Rates subject to change without notice. Not all applicants will qualify for the lowest rate.

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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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