Vehicle

Loans

Vehicle Loans 

Are you in the market for an automobile, truck, motorcycle, boat, or trailer? Or maybe you want to refinance your vehicle at a lower interest rate? Submit an application for pre-approval so that all you have to worry about is what color car and options you want.

 

Apply for a New or Used Auto Loan

You've done your research and you know what you want to buy. Now it's time to think about an auto loan. When it comes to auto loans, we want our members to get an excellent deal. We provide low rates, up to 115% of MSRP financing, and great service. With an auto loan from the Credit Union, you can upgrade your ride and save hundreds. So let our low rates put you in your next car!

Refinance Your Current Auto Loan

Refinance your auto loan with the Credit Union for low rates and a great money-saving opportunity. 

Click NADA Guide to see what your vehicle is worth, or to research the latest new car prices, deals, and used car values.

Optional Guaranteed Asset Protection

We offer low cost GAP. If your vehicle is totaled in an accident or stolen and not recovered, the insurance settlement is based on the actual cash value, not the outstanding loan balance. This could create a loan "gap"—money you owe on the loan after the insurance company pays its portion. GAP may cover the difference between the outstanding loan amount and the actual cash value. 

LOAN RATES

Rates as of  January 1, 2020. Rates are subject to change without notice.

 

RATE                                                                             TERM                                    AMOUNT          

New Automobile/Motorcycled Loans

(good credit) 

2.40% - 5.00%                                                                36 Months                          *115% of MSRP                                           

2.65% - 5.25%                                                                 48 Months                          *115% of MSRP  

3.00% - 5.50%                                                                 60 Months                          *115% of MSRP  

3.25% - 6.00% - (over $20,000)                                     72 Months                          *115% of MSRP  

3.40% - 6.00% - (over $35,000)                                     84 Months                          *115% of MSRP  

New Automobile/Motorcycle Loans

(credit problems) 

7.00% - 12.50%                                                              36 Months                           *call for details  

7.25% - 12.50%                                                              48 Months                           *call for details

7.50% - 12.50%                                                              60 Months                           *call for details 

7.75% - 12.50% - (over $20,000)                                  72 Months                           *call for details  

8.25% - 12.50% - (over $35,000)                                  84 Months                           *call for details  

Used Automobile/Used Motorcycle Loans

(good credit)

4.00% - 6.25%  (One Year Old)                                  60 Months                        *100% of  Clean Retail + TT&L              

4.00% - 6.25% (Two & Three Year Old)                    54 Months                          *100% of  Clean Retail + TT&L

5.00% - 7.25%  (Four Year Old)                                 48 Months                          *100% of  Clean Retail + TT&L

5.00% - 7.25% - (Five Year Old)                                 42 Months                         *100% of  Clean Retail

6.50% - 8.00% - (Six & Seven Year Old)                   36 Months                          *100% of  Clean Retail

7.00% - 9.50% - (Eight - Fifteen Year Old)               24 Months                         *100% of  Clean Retail

Selected Used Automobile Loans 

(Volvo, Cadillac, Lincoln, Range Rover,

Lexus, BMW, Porsche, Corvette, Audi,

Jaguar, Acura, Infiniti, & Mercedes)

7.00% -11.00% - (One, Two, Three Year Old)                           60 Months                           * 100% of Clean Retail +TT&L

7.00%-11.00% - (Four Year Old)                                               54 Months                           *100% of Clean Retail +TT&L

7.00%-11.00% - (Five Year Old)                                                48 Months                           * 100% of Clean Retail

7.00%-11.00% - (Six & Seven Year Old)                                   48 Months                           * 100% of Clean Retail

7.00%-11.00% - (Eight thru Fifteen Year Old)                         48 Months                           * 100% of Clean Retail

See if you qualify, fill out this                                 then fax or email it over with your most recent paycheck stub.

You must be on your job for at least 6 months to apply for a secured loan.

Contact: 713-462-5552

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Hours of Operations:  Monday - Friday 9am to 4pm Central.

24 Hour ATM Machine on site at the Credit Union Office.

Use ATMs for free anywhere you see this symbol.                    To find a location, click on the symbol.

Your money is Federally insured by NCUA up to $250,000. NCUA is the National

Credit Union Administration, an agency of the Federal Government.

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charity but for service."