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Auto Loans

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 available
  • Up to 120% financing of National Automobile Dealers Association value available
  • 0.25% rate discount for automatic payment from a USSFCU account2
  • Extended warranty plans offered
  • Guaranteed Asset Protection (GAP) coverage available3
  • Refinance your current vehicle and potentially lower your rate

 

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. 

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1 A 36-month term new or used USSFCU auto loan with an original balance of $30,000 and a 1.99% APR would have an estimated monthly payment of $859. A 84-month term new or used USSFCU auto loan with an original balance of $30,000 and a 2.99% APR would have an estimated monthly payment of $396. 2 Conditions apply. View more informon about our Relationship Discount Program by clicking here. 3 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. 

Members' Voice Testimonials

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

Very personable, solution based and takes in interest in your situation.

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

The credit union provides relatively good services and the security updates to the system are noticeable.

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

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