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Auto Loans

Auto Loan Giveaway - Win $2,500!

June 1 – August 31, 2024

Secure your new or used auto loan and you could be the lucky winner of $2,500!*

Plus, enjoy no payments for up to 90 days**!

Apply today using promo code “Auto2500”!

One $2,500 winner will be selected on September 10, 2024. Terms and conditions apply.

USSFCU Auto Loans & Refinancing

Get a low-interest car loan that fits your budget or refinance an existing auto loan for a potentially better rate and a lower payment. It's quick and easy to apply with USSFCU.

Auto Loan Details:

  • Low, fixed rates for both new and used vehicles
  • No payments for up to 90 days**
  • 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

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.

Additional Benefits:

  • Utilize our Car Buying Service powered by TrueCar for the best deals on new or used autos
  • Choose from Extended Warranty plans for added peace of mind
  • Protect your investment with Guaranteed Asset Protection (GAP) coverage
  • 24/7 Loan-by-Phone: Whether it's nights or weekends, we are now available to review applications and make decisions after regular business hours. Call and discuss your loan with us at your convenience at 800.374.2758.


Tailored just for you, our Extended Warranty plans are designed to meet your specific needs. No matter which plan your vehicle is eligible for, there are coverage benefits every driver deserves. Importantly, you don't need to have your loan with us to purchase a warranty.

Every plan comes with:

  • Zero Deductible
  • Nationwide Coverage
  • 30 Day Money-Back Guarantee
  • Transferable
  • Interruption Coverage
  • 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

Discover which plan is best for you by calling Member Services at 800.374.2758.

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]

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.

TRUECar by USSFCU. Helping members save more. 

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

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Auto Loan Giveaway - Win $2,500!

*Terms and conditions apply. Any USSFCU member 18 years or older who applies, is approved, and funds a new or used USSFCU Auto Loan of $10,000 or more between June 1, 2024, and August 31, 2024, will automatically be entered to win $2,500 if all promotional criteria are met. Only one entry per qualified auto loan. One winner will be selected at random on September 10, 2024, to receive the $2,500, which will be electronically deposited into the winner's USSFCU primary share account. The winner will be notified by telephone and email two to three business days after the drawing. If USSFCU does not receive a response from the selected winner within five 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 August 31, 2024.

This offer cannot be combined with any other. 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. "Good standing" means that the loan is not delinquent, in default, or subject to any legal or collection actions. This prize does not extend if the winner chooses to refinance their qualifying loan prior to original settlement details. Void where prohibited. No private party sales, or Carvana purchases are eligible. 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 without advanced notice.

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—Auto Giveaway 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 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 August 31, 2024. Other restrictions may apply. Call 800.374.2758 for more details.

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. No private party sales, or Carvana purchases are eligible.

1 An 60-month term new USSFCU auto loan with an original balance of $15,000 and a 5.99% APR would have an estimated monthly payment of $270. Rates as of 01/01/2024 and subject to change without notice. Certain conditions may apply. Contact Member Services at 800.374.2758. 2 Based on 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 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 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.

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.

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.

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