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Buying a car should be a tail-wagging experience!  Whether you’re considering a new or used auto, or you want to refinance your existing auto loan with FCCU. Click on the Details below to learn more!


Key Features


For a limited time, enjoy 2.59% APR* for 2019 or newer vehicles for up to 72 months!

Enjoy all of the benefits of our auto loans listed below. If you've been waiting to get a new vehicle, now could be the perfect time to start shopping!

  • Buy new or used cars or trucks
  • Competitive rates
  • Flexible terms and affordable payments
  • Pre-approval available for more buying power
  • Friendly, personal service
  • Local decisions for faster results

Want to estimate what your loan amount would be? Check out our Loan Calculator.

Start and finish your new or used auto purchase at the dealership — and still get your loan with FCCU!

We've partnered with the following local auto dealers so that you can finance your vehicle with FCCU without leaving the dealership. Simply pick out your new or used vehicle and tell the dealership that you would like your auto loan to be financed with FCCU. You will sign your loan papers right at the dealership with the relief of knowing that your auto loan is still with your local credit union. Happy car shopping! 

Use these buyers' guides to make sure your vehicle is priced right and not a lemon:

Don’t let a wrecked vehicle wreck your finances.

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year you own it, half of which occurs the minute you drive it off the lot.* This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan. 

Contact us today to learn more about adding GAP to your vehicle loan so you can worry less about tomorrow. 

*Car Depreciation: How Much Value Will a New Car Lose? CARFAX, Nov 9, 2018.
Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.  GAP purchased from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP-2453288.1-0319-0421 © CUNA Mutual Group, 2019.  All Rights Reserved. 

*Offer subject to standard underwriting guidelines. Terms up to 72 months available. Credit score must be 685 or higher to qualify for promotional rate of 2.59% APR. Minimum loan amount is $20,000. Refinances of existing FCCU loans are not eligible. Offer subject to change at any time. Membership eligibility is required. Based on credit approval. No additional discounts will apply. Offer valid for a limited time beginning March 1, 2021. Rates and terms subject to change.