Auto Loans

Auto Loans

Auto Loan Rewards: Up to 50,000 Bonus Points!

Offer valid November 1 – December 31, 2024

This holiday season, enjoy more than great rates with USSFCU auto loans. Finance a new or used vehicle and earn 1 point per $1 borrowed—up to 50,000 points added to your Smart Rewards Visa®!* Boost your rewards balance for holiday shopping, travel, and more.

Apply Today and Start Earning as You Drive!

Get Prequalified in Minutes Check your rate without impacting your credit score.

Don’t have a Smart Rewards Visa® yet? Apply now to unlock rewards and start earning bonus points!

Learn More About Our Smart Rewards Visa®

Already a cardholder? Your points will be added directly to your existing account. Offer terms and conditions apply. See below for complete details. 

Affordable Auto Loans & Flexible Refinancing Options

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

Need help figuring our your loan amount  or monthly payment?

Auto Loans Calculator

Buyer Beware: Watch Out for Flood-Damaged Cars

Flood-damaged vehicles have entered the market after recent hurricanes, with thousands being sold in areas far from their original location. Before purchasing a used car, look for signs like damp carpets, musty odors, mismatched upholstery, rust, mud under seats, brittle wires, and foggy lights. Use the free CARFAX Flood Check Tool at carfax.com/flood to verify the vehicle’s flood history.

Learn more

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

With USSFCU, enjoy added benefits that make your auto purchase or refinance easier and more secure:

RATES

Apply Now

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. 

car buying service

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

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Auto Loan + Bonus Rewards Disclosure:

*All loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income, and debts. Not all applicants will qualify for the lowest rate. Your credit card is subject to a Variable Rate based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal ("Index") on the last day of each calendar quarter plus our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the next billing cycle following the change. Increases or decreases in the Interest Rate will result in adjustments to your Finance Charge and will affect the amount of your regularly scheduled payments. Other fees may apply. View our Smart Rewards Visa Credit Card Agreement and Disclosure for additional information.

Eligibility Requirements:

  • Private party sales, Carvana purchases, third-party brokers, and auction services are not eligible.

  • Existing USSFCU auto loans do not qualify for refinancing through this promotion.

  • The maximum bonus points per account is 50,000.

**Earn 1 Smart Rewards Bonus Point for every $1 funded on a new or used USSFCU auto loan, capped at a maximum of 50,000 points per account. Payout deadlines depend on the month of your loan funding:

  • For loans funded in November, bonus points will be applied by December 16, 2024. Members without a Smart Rewards Visa must have an active account by this date to receive bonus points.

  • For loans funded in December, bonus points will be applied by January 16, 2025. Members without a Smart Rewards Visa must have an active account by this date to receive bonus points.

Failure to have an active Smart Rewards Visa by the specified payout date will result in forfeiture of the bonus points. USSFCU reserves the right to modify or discontinue this promotion at any time.

Learn more about our Smart Rewards Visa® at ussfcu.org/Rewards

 

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. Visa® is a registered trademark of Visa.

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

Read More testimonials.