Auto Loans

Auto Loans

Refinance Your Auto Loan and Earn $200!*

Ready to save on your auto loan? With USSFCU’s Auto Loan Refinance & Reward offer, you can put money back in your pocket. From September 1st through October 31st, when you refinance your auto loan from another lender with USSFCU, you’ll receive a $200 reward deposited directly into your account.

How It Works:

  • Refinance Your Loan: Bring your auto loan from another lender to USSFCU with a balance of $10,000 or more.
  • Use Promo Code: Apply using the promo code REFI200.
  • Get Rewarded: Keep your loan open for at least 60 days, make your first payment, and receive $200 deposited into your USSFCU account.

This limited-time offer is perfect for lowering your interest rate, reducing your monthly payments, and enjoying extra savings. *Terms and conditions apply. See below for complete offer details.

Get Prequalified in Minutes

Already a member? This is your fast track to apply. In a matter of minutes, you could pay less, save more, and at a great rate.

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
  • 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.

RATES

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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.

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*Auto Loan Refinance & Reward Offer Terms and Conditions

  • Eligibility: This promotion is available to current and new USSFCU members who refinance an auto loan from another financial institution with USSFCU. The refinanced loan must have a minimum balance of $10,000. Existing USSFCU auto loans are not eligible for this offer.

  • Promotional Period: This offer is valid from September 1, 2024, through October 31, 2024.

  • Reward Criteria: To qualify for the $200 reward, the following conditions must be met:

    • The loan must be refinanced from an external lender with a minimum balance of $10,000.
    • The promo code REFI200 must be provided at the time of application.
    • The loan must remain open, active, and in good standing for at least 60 days.
    • The first scheduled payment on the loan must be made.

  • Reward Payment: The $200 reward will be credited to the primary applicant's USSFCU savings account between 61 and 90 days after the loan origination date, provided the above criteria are met.

  • Limitations: This offer cannot be combined with any other USSFCU promotion or discount. The reward is limited to one per loan and per member.

  • Loan Terms: All loans are subject to credit approval. Loan rates, terms, and conditions depend on creditworthiness, income, and other factors. Not all applicants will qualify for the lowest rate.

  • Exclusions: The following loan types are excluded from this promotion: private party sales, Carvana purchases, third-party broker loans, and auction service loans.

  • Member Responsibilities: Recipients of the reward are solely responsible for any personal tax liability arising from this incentive. USSFCU recommends consulting a tax advisor regarding the tax implications of receiving this reward.

  • Conditions of Good Standing: To receive the reward, the loan must remain in good standing, meaning it is not delinquent, in default, or subject to any legal or collection actions, during the promotional period and for 60 days after the loan origination.

  • Right to Modify or Cancel: USSFCU reserves the right to modify, update, or discontinue this promotion at any time without prior notice.

  • Legal Void Where Prohibited: This offer is void where prohibited by law.

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, Carvana purchases, third-party broker or auction services 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 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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