United States Senate Federal Credit Union

Vehicle Loans

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Auto Loans

New Auto

  • Remarkably low fixed rates with terms of up to 7 years (84 months) to purchase a new passenger vehicle.
  • Consult the USSFCU Auto Buying Resource for assistance with making your auto selection.
  •  ¼% rate discount for automatic payment from a USSFCU account with a Classic or Gold Collection
  • Terms up to 7 years available for new auto loans, and up to 6 years for used auto loans.
  • Up to 110% financing on new and used vehiclesˆ

Used Auto

  • Low fixed rates with terms up to 6 years (72 months).
  • Terms up to 7 years available for new auto loans, and up to 6 years for used auto loans.
  • Up to 110% financing on new and used vehiclesˆ

Recreation Vehicle Loan

  • A fixed rate closed-end loan to purchase or refinance a new or used vehicle primarily used for pleasure or recreation.
  • Borrowers may finance a motorcycle, watercraft (i.e., boat or jetski), or recreational vehicle (i.e., snowmobile, all terrain vehicle, motor home, golf cart or similar vehicles).

Protect Your Investment

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

GAP offers peace of mind and helps protect your vehicle investment against possible financial loss. 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 us for details today at 202.224.2967, or 800.374.2758 (outside DC metro area), and be sure to add GAP to your next vehicle purchase.


  • Contact USSFCU to get your AutoDraftˆ before you go to the dealer.
  • An AutoDraft is an auto loan you receive in the form of a check to buy a car up to your approved loan amount.
  • With an AutoDraft, there are no hidden fees, so you know exactly what your loan costs; you will get an easy application process, and a speedy loan decision.ˆ
Your AutoDraft gives you the bargaining advantages of a cash buyer, so you can keep the conversation on the true invoice price and negotiate the best deal.

APR = Annual Percentage Rate.

** If eligible for all possible discounts including maximum Classic or Gold Collection discount.

*** If you are approved for credit, your annual percentage rate and/or credit limit will depend on your credit history, income, and debts. Rates are based on the applicant's creditworthiness and not all applicants will receive the lowest rate.

ˆ A USSFCU AutoDraft may be used for the purchase of new or used automobiles or trucks only. Members who desire to purchase a motorcycle should apply for a USSFCU Recreational Vehicle Loan. A USSFCU AutoDraft may not be used for sales between private parties, may not be used as a down payment on the purchase of a vehicle, and may not be used to purchase reconditioned or salvaged vehicles. See your AutoDraft for all terms and conditions. Speedy loan decisions are contingent upon receipt of all required application information. Subject to credit conditions.

+ Terms available up to 7 years for new auto loans and up to 6 years for used auto loans. New Auto to maximum $150,000 and Used Auto (Models no more than 10 years old) maximum $75,000.

± 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: this protection provides $1,000 toward principal on a replacement motor vehicle or RV loan financed through U.S. Senate FCU. 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.

We make it easy. Simplify your car buying experience with our Auto Resource Center.

Our car buying services, great financing options, and low interest rates make it easy and affordable for you to drive away in your new ride today!

  • Enterprise Used Car Sales
    For more than 40 years, Enterprise Car Sales has been selling cars only one way. We select great cars — most from our fleet of more than 1 million used vehicles — offer them at competitive used car prices, and back each one with one of the industry’s best car warranties. And in addition to low used car prices, our professional staff is trained in a low-pressure sales process that puts members’ needs first. It’s the Enterprise way, and it’s all part of our used car package.
  • United Buying Service (UBS)
    If you hate negotiating over the price of your new or used car, this service is for you. UBS has already done the legwork by establishing relationships with many car dealerships in Maryland, Virginia and the District of Columbia. UBS offers low guaranteed pre-negotiated prices, discounted option pricing and extra savings with rebates and incentives.
  • Motor Vehicle Certification Program
    MVCP is a FREE service that offers you pre-arranged pricing with select auto dealers across the Mid- Atlantic region, up-to-date rebates and incentives, dealer invoice disclosed, dealer profit disclosed, estimated trade-in value provided and complete follow-up assistance.
    If you're looking for worry-free shopping that is exclusive to credit union members, carsformembers.com is the service for you. This convenient Web-based car buying service provides you with the tools to make car shopping easy. You can build your dream car online, research options, and compare features. There is guaranteed pricing, Carfax Vehicle reports and payment calculators. Personal Shopper can locate your vehicle, negotiate your price, set-up the appointment and even schedule your test drive!


Payment Examples

Period Auto Loan Interest Rate *APR Monthly Payment
4-year $10,000 0.99% $212.57
5-year $10,000 1.75% $174.19
7-year $10,000 3.04% $132.31

More Ways to Apply for a Loan

Online Application - CU AnyHour+

arrrow Members can apply for a New or Used Car by logging into CU AnyHour+ online banking.

arrrow Go to the Services tab to complete your online application and click to submit it.

Download Application

Download the fillable Vehicle Loan Application and return it through one of the following 4 ways:

arrrow Secure Messenging - CU Anyhour+
  1. Once you fill in your personal information, save it as a PDF document.
  2. Log into CU AnyHour+ ,
  3. Click on the “Message Center” at the top of your screen; click “New” on the toolbar message; type in “Loan Application” as your subject; include your contact information and any questions or additional information in the body of the message,
  4. Click “Browse” to locate your saved application (from Step a); then click “Upload” to attach your application to the message. Your application should now show in the field labeled "Attachments" at the top of your screen,
  5. Click “Submit” to send your message and application,
  6. A representative will contact you within one business day to complete the application process.

*Note: Documents submitted in this manner are transmitted securely within CU AnyHour+.

arrrow In Person

Stop by one of our branches:    
Hart Branch
GAO Branch Eisenhower Branch
Senate Hart Building, Room SH-118
Washington, DC 20510
41 G Street NW, Room 1100
Washington, DC 20548
2111 Eisenhower Avenue
Alexandria, VA 22314

arrrow By Mail

United States Senate Federal Credit Union
National Capitol Station
P.O. Box 77920
Washington, DC 20013-8920

Not an USSFCU Member?

Find out how to join us!

Routing Number: 254075250

GAP Insurance