Auto Loans

Need a new vehicle for your growing family? Want a vehicle with better gas mileage? Is there a sports car catching your eye? No matter what you’re buying, financing.  Purchasing your new or used vehicle with CFCCU is the easiest part of the process.

Be a smart shopper. get your pre-approval before you shop.

CFCCU Auto Loan Calculator
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New Vehicle Rates
2017 or newer models with 20,000 miles or less
48 Months 4.14% APR*
60 Months 4.14% APR*
66 Months 4.14% APR*
72 Months 4.39% APR*

*Annual Percentage Rate (APR). Rates, term and conditions subject to change and vary based on creditworthiness, qualifications and collateral conditions. APR as low as listed rate. Up to NADA retail.

Example of Repayments Terms
Example: No down payment on a $20,000 purchase
Pay: $370 per month at 4.14% APR with a 60 month term
Example: No down payment on a $30,000 purchase
Pay: $475 per month at 4.39% APR with a 72 month term

Used Vehicle Rates
2016 Models
48 Months 4.24% APR*
60 Months 4.24% APR*
66 Months 4.34% APR*
2015 Models
48 Months 4.24% APR*
60 Months 4.24% APR*
66 Months 4.59% APR*
2014 Models
48 Months 4.24% APR*
60 Months 4.24% APR*
2013 Models
48 Months 4.69% APR*
60 Months 4.89% APR*
2012 Models
36 Months 4.69% APR*
2011 Models
36 Months 4.69% APR*
48 Months 4.74% APR*
2010 Models
36 Months 4.69% APR*
48 Months 4.94% APR*
2009 Models
36 Months 7.69% APR*
48 Months 7.94% APR*

*Annual Percentage Rate (APR). Rates, terms and conditions subject to change and vary based on creditworthiness, qualifications and collateral conditions.

Examples of Repayment Terms
Example: 2012 model year vehicle – amount financed = NADA Retail Value
Pay: $448 per month for $15,000 borrowed at 4.69% APR with a 36 month term
Example: 2009 model year vehicle – amount financed = NADA Retail Value
Pay: $366 per month for $15,000 borrowed at 7.94% APR with a 48 month term

Skip Your Loan Payments

You are allowed to skip one monthly, two bi-weekly or four weekly payments on your CFCCU consumer loans. (Not available for Credit Cards, Real Estate Loans, Business Loans or Overdraft Protection Line of Credit.) You can utilize Skip-A-Payment ONCE per calendar year per loan. Loan payments must be current to qualify.The Skip-A-Payment processing fee is only $25 per loan.If your payments are being made by Direct Deposit or Payroll Deduction, the funds will be deposited in your Share Account for the month payments are being skipped. IT’S FAST, CONVENIENT, AND EASY.  

To view the Skip-A-Payment request form click the button below