Auto Loan Benefits
Finance your vehicle with us and receive the following great benefits:
- Up to 125% financing
- Lower rates on hybrid and electric vehicles*
- First Time Auto Buyer’s Program
- Pre-Approvals with Xpress checks** for more bargaining power at the dealer
- Optional Guaranteed Auto Protection (GAP) Coverage; Mechanical Breakdown Coverage and/or Payment Protection
To celebrate our 75th Anniversary, loan rates have been reduced by 0.75%APR when you finance an auto, motorcycle, recreational vehicle or unsecured loan with TCAFCU*
*Offer is not valid on credit cards, first mortgage loans, home equity loans or lines of credit. Offer not valid on TCAFCU refinances. New loans only. Cannot be combined with other offers, including our green loan discount. Qualifying rate depends on credit qualifications, term of loan and other conditions. Limited time only.
Rates listed below are effective as of 7/1/24 and reflect the promotional rate reduction.
New Auto & Motorcycles
(2025-2023)
| New Auto & Motorcycles Loans (2025-2023) | APR as low as |
|---|---|
| 0 to 36 Months | 4.74% |
| 37 to 60 Months | 4.99% |
| 61 to 72 Months (Minimum Loan Amount – $15,000) | 5.74% |
| 73 to 84 Months (Minimum Loan Amount – $25,000) | 6.74% |
Used Auto & Motorcycles
(2023-2017)
| Used Auto & Motorcycle Loans (2023-2017) | APR as low as |
|---|---|
| 0 to 36 Months | 4.74% |
| 37 to 60 Months | 4.99% |
| 61 to 72 Months (Minimum Loan Amount – $15,000) | 5.74% |
| 73 to 84 Months (Minimum Loan Amount – $25,000) | 6.74% |
Older Used Auto & Motorcycles
(2016 or older)
| Older Used Auto & Motorcycle Loans (2016 or older) | APR as low as |
|---|---|
| 0 to 48 Months | 6.99% |
| 49 to 60 Months | 7.24% |
*Finance a hybrid or electric vehicle and receive a 1% rate discount on your auto loan. Purchases only. Cannot be combined with any other loan discounts.
**Xpress Check Get pre-approved for an auto loan and you’ll receive an Xpress Check to purchase your vehicle. You’ll have the power to negotiate the best bottom line price, because you already have the check in hand when you visit the dealer. It’s a great way to get the car you want at the price you want.
Auto Refinance – 1% Cash back offer – valid on vehicle loans refinanced from another financial institution to TCAFCU. Offer will be based on the total amount of the TCAFCU vehicle loan. To qualify for the cash back offer, loan amount minimum is $10,000. Loan balances under $10,000 will not qualify for this cash back offer. The maximum cash back is $500 per vehicle loan. Commercial loans & existing TCAFCU loans are not eligible for this offer. Must be 18 years of age to qualify. Cash back will be paid at the time the loan is funded. The loan must stay open for at least six (6) months, or the cash back amount will be added to the loan payoff amount. Cannot be combined with any other loan discounts.