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Auto Loans

Book Your Auto Loan between January 1 - February 28 for a CHANCE TO WIN $5,000!*

Up to 90-Days No Payments** + Rates as low as 2.99%***

APPLY TODAY using promo code “MILES5000”

One $5,000 winner will be selected on March 6, 2023. Terms and conditions apply >>*

Financing your new or used auto can be easy with a flexible, low-rate auto loan from USSFCU.

USSFCU offers low rates and flexible term options to keep your payments low. We can help you determine what vehicles you can afford, assist you with the pre-approval process, and get the pricing information you need on any vehicle you choose.

Below are some auto loan features:

  • Low, fixed rates on new or used vehicles
  • Terms up to 7 years1
  • Pre-approval available1
  • Up to 110% financing of National Automobile Dealers Association value available2
  • 0.25% rate discount for automatic payment from a USSFCU account3
  • Extended Warranty plans offered
  • Guaranteed Asset Protection (GAP) coverage is available4
  • Refinance your current vehicle and potentially lower your rate

Use our USSFCU Car Buying Service powered by TrueCar to get the best deal on your new or used auto. You can even purchase your car from home and have it delivered from participating dealers.5

Get Pre-qualified!

Already a USSFCU member? See if you are already pre-qualified for a USSFCU New or Used Auto Loan.

Get Started

Looking to Apply After Regular Business Hours? With USSFCU After Hours service, we review applications and make decisions after regular business hours.

RATES

Our Extended Warranty has a plan that's perfect for you. No matter which plan your vehicle is eligible for, there are coverage benefits every driver deserves. Plus, you don't have to have your loan with us to purchase a warranty.

Every plan includes:

  • Zero Deductible
  • Nationwide Coverage
  • 30 Day Money-Back Guarantee
  • Transferable
  • Interruption
  • Direct Claim Payments Via Visa/MasterCard
  • 24/7/365 Emergency Roadside Service
    • Towing
    • Lock-out Service
    • Battery Jump Starting
    • Flat Tire Assistance
    • Safe and Secure Package
    • Minor Adjustments

Call Member Services at 800.374.2758 to find out which plan you might be best for you.


Need to make a claim? In the event of a covered mechanical breakdown, please contact Route 66 directly to speak with a claims advisor.

800.808.0828 | [email protected]

We now offer Guaranteed Asset Protection (GAP) Plus coverage! ± 

GAP Plus offers peace of mind and helps protect your vehicle investment against possible financial loss. This protection provides $1,000 toward principal on a replacement motor vehicle or RV loan financed through USSFCU.

In the event your vehicle is stolen or totaled in an accident, GAP will help cover the difference between your primary insurance settlement and what you still owe on your loan and for just $299, typically well below what the dealerships are charging, this is one coverage option you cannot afford to pass up.

Call 800.374.2758 for additional details and be sure to add GAP to your next vehicle purchase.

± 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 for full details.

TRUECar by USSFCU. Helping members save more. 

car buying service

Get the TRUEPrice—the Actual Price You Will Pay at the Dealership.

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*Miles to Money Promotion Terms and Conditions:

Promotion valid January 1, 2023 – February 28, 2023. Any USSFCU members 18 years or older who apply, are approved and funded for a new or used USSFCU Auto Loan between January 1, 2023 and February 28, 2023, will be entered to win $5,000 if all promotional criteria are met. Refinancing USSFCU loans will not qualify. Only one entry per qualified auto loan. This offer cannot be combined with any other. USSFCU employees, Board Members, and their immediate family members are not eligible for this offer. Only individual persons may participate. All federal, state and local tax liabilities are the sole responsibility of the winner. No transfer or substitution of the prize by USSFCU. USSFCU reserves the right to modify, update or discontinue this promotion at any time and without advanced notice. No purchase is required.

One winner will be selected at random on March 6, 2023, to receive the $5,000 reward, which will be electronically deposited into the winner's USSFCU savings account. The winner will be notified by telephone and email two to three business days after drawing. If USSFCU contacting party does not receive a response from the selected winner within five (5) business days after the initial attempt to contact, the prize will be forfeited, and a new winner will be selected. Members who do not wish to participate should email [email protected] by February 28, 2023.

Registration or participation from any corporation or other entity shall not be accepted or considered valid. Auto loans that meet the eligibility criteria must remain active and in good standing for 30 days after the promotional period ends. USSFCU reserves the right to revoke the prize at any time if the winner defaults or does not remain in good standing on their qualifying loan. This prize does not extend if the winner chooses to refinance their qualifying loan prior to the original settlement details. Void where prohibited.

No Purchase Necessary Alternative Method of Entry (AMOE): Anyone age 18 and over who does not qualify for the drawing by funding a qualified USSFCU loan in the specified time period can enter one time per USSFCU membership account by sending a 3x5 postcard with your name, phone number, complete address, email and birth date to United States Senate Federal Credit Union—Miles 5000 Promotion—1310 Braddock Place., Alexandria, VA 22314. Postcards must be complete, accurate, and legible to qualify, and no changes are permitted once submitted. All information submitted becomes the property of USSFCU and will not be acknowledged or returned. All submissions must be received during the giveaway period. Incomplete or illegible entries will be disqualified. USSFCU is not responsible for any potential issues or other difficulties that may arise during the entry process.

** Up to 90 days of no payment requires a minimum FICO score of 670. Interest charges will still accrue at the approved interest rate during this 90-day period. The loan must close by February 28, 2023. Other restrictions may apply.

***APR = Annual Percentage Rate. Rates effective 12/1/2022 and subject to change without notice. All loans subject to credit approval. Maximum term for stated “as low as” rate is 36 months. “As low as” rate factors in the maximum rate discount possible. Members who participate in Automatic Payments, Direct Deposit, eStatements, and Online or 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. A 36-month term new or used USSFCU auto loan with an original balance of $30,000 and a 3.49% APR would have an estimated monthly payment of $878. An 84-month term new or used USSFCU auto loan with an original balance of $30,000 and a 3.49% APR would have an estimated monthly payment of $403.Rates and/or credit limits are based on creditworthiness, income, and debts. Not all applicants will qualify for the lowest rate. View current rates at ussfcu.org/rates.

1 Certain conditions may apply. Contact Member Services at 800.374.2758. An 84-month term new or used USSFCU auto loan with an original balance of $30,000 and a 3.49% APR would have an estimated monthly payment of $403.

2 Based on National Automobile Dealers Association valuation.

3 Members who participate in Automatic Payments, Direct Deposits, eStatements, and Online or 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 this 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.

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!

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.

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

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.

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.

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 ...

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!

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.

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.

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

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

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.

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

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.

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.

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.

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.

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