Financing & Discounts Driving you towards Your Ideal Vehicle
Ready for your next adventure? Whether you’re buying or refinancing a car, RV or boat, our flexible vehicle loans can help you hit the road—or the water—with confidence.
Take Advantage Of:
Fast Pre-Approvals to Get You Behind the Wheel
Online Vehicle Shopping with TrueCar®
Low Competitive Rates that Could Save You Monthly
Discounts that Fuel the Deal
Rate Deductions that mean more Saving for You!
- Direct Deposit or Automatic Payment(s): Put more money back in your pocket with a 0.25% rate discount.* Set up direct deposit or automatic payments for your car loan to enjoy a lower interest rate, smaller monthly payments, and greater savings over the life of your loan—all while keeping every payment on track.
- More Rate Reductions: Looking for even greater savings? Additional rate discounts may be available when purchase a vehicle through TrueCar, finance an EV or hybrid vehicle, or meet qualifying lower loan-to-value requirements. Ask which benefits could help lower your rate.**
- Beat the Dealership Rate Challenge: Before accepting dealership financing for a newer-model vehicle, explore our options. We may match or beat the dealer’s best rate by 2.00%, subject to a minimum rate of 4.00% APR!***
Purchasing a New/Used Vehicle?
Your new or pre-owned car, truck, or van may be closer than you think. Secure financing with us, find the right make and model through TrueCar, and explore insurance options from TruStage plus get loan protection to cover you throughout the journey. Consider us your one-stop resource for vehicle financing and protection.
Be sure to review the rate reductions above to see how your membership can fuel more savings!
Refinancing Could Save You $$
Don’t pay more than you’d like every month for your vehicle loan financed elsewhere. Refinance your auto loan to us and we could help you lower your interest rate, decrease your monthly payment, or pay off your loan sooner.
Boat, Motorcycle, and RV Loans
Hit the water or open road, with a boat, motorcycle, or RV. We could help make it affordable with financing of up to 85% of the NADA retail value.****
- Low competitive rates
- Flexible repayment options
- Quick pre-approvals
If you are thinking about buying your next vehicle and are not sure where to start, the Car Buying Service powered by TrueCar® can help. With our Car Buying Service, you can research vehicles, look through thousands of pre-owned options, and get dealer-guaranteed prices. Then, just print that guarantee, schedule a test drive, and buy the vehicle.
- Home delivery options
- Quick pre-approvals
- 0.25% APR* loan discount when you purchase through the Car Buying Service and finance your vehicle through Transportation FCU
*APR=Annual Percentage Rate. To receive the loan rate discount, auto purchase must be made at a certified dealer through the Car Buying Service and financed with Transportation FCU. All loans are subject to credit approval. Age of used vehicle not to exceed 7 model years. At no time can the discounted loan rate be lower than the Credit Union’s designated floor rate. Guaranteed Savings not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured. Your configured vehicle may not be available or in stock at the Certified Dealer.
One of the many benefits of being a member is access to affordable auto insurance with TruStageTM Auto and Home Insurance. Get a quote today and see how much you can save with your credit union membership.
Guaranteed Asset Protection is one of the most important options you can choose when financing a new vehicle. If the car or truck is totaled or stolen, most insurance companies only pay the cash value of the vehicle at the time of the loss. This means you could still owe money on the loan even though you don’t have the vehicle anymore. GAP covers the difference between what insurance pays and what you still owe. You also get $1,000 toward your next vehicle purchase when financed with Transportation FCU within 90 days.
For more information call (800) 368-8432
Disclaimer: This is general information only. Please refer to your actual GAP Waiver Addendum (GAP) for terms, conditions, coverage, limitations, and restrictions. GAP is not an insurance policy and does not replace or eliminate the need for vehicle insurance coverage. GAP is designed to “help” reduce the difference between your primary carrier insurance settlement and the loan balance at the date of loss. However, there are exclusions and limitations for items like delinquent payments, late charges, refundable items and financing more than the allowable Loan to Value (LTV%) limit that could leave you responsible for a loan balance after the GAP benefit is applied to your loan. You may cancel GAP during the first 60 Days and receive a full refund of any fee paid. GAP is non-refundable in most states after the first 60 Days.
Life happens. When it does, Member’s ChoiceTM Borrowers Security ensures your loan payments get made if you lose your job or become disabled due to an injury or illness. The protection even covers your loans if you pass away, protecting your family from financial hardship. This voluntary loan payment protection is a nice way to protect your family’s financial future.
You may cancel your Transportation FCU Loan Payment Protection at any time. If you do so within the first 30 days, we will refund any fees already paid.
For more information call (800) 368-8432
Disclaimer: Your purchase of MEMBER’S CHOICE Borrowers Security is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms MEMBER’S CHOICE Borrowers Security.
As vehicles get older and mileage adds up, the likelihood of a costly repair increases. Our Route 66 Mechanical Breakdown Protection can help you limit the out-of-pocket expenses needed to keep your car running well. Coverage is available for both new and pre-owned vehicles. We have three plans to help you choose the right coverage.
- Easy Street – Factory-type coverage
- Main Street – Deluxe coverage
- First Street – Drivetrain coverage
More information about what each plan covers is available by speaking with your loan representative or by calling the Member Contact Center at 800-368-8432.
Member Benefits
Every Mechanical Breakdown Protection plan includes the following benefits:
- Zero deductible
- Nationwide coverage
- 24/7/365 emergency roadside assistance
- 30-day money-back guarantee
- Transferable to a new owner if you sell your car before the agreement expires
- Trip interruption protection
- Direct claim payments via Visa or Mastercard
Buying your first or next vehicle takes a bit of planning to get the best deal. We have plenty of resources to help, including access to United Buying Service for a list of pre-negotiated cars at member prices, access to CarFax reports, a Car Buying Service to help you find the perfect ride, as well as the financing you need.
I refinanced my auto loan and now my payments are more manageable. THANK YOU Transportation FCU!
* 0.25% discount will be given for a direct deposit or automatic payment. The direct deposit must be scheduled for a credit union savings or checking account for at least the loan payment amount, or an automatic payment must be made from a credit union or external account, with forms to be completed at closing of the loan. If you discontinue the automatic payment agreement or direct deposit, or if it’s canceled for any reason, the discount will be removed immediately, and the standard rate will apply. Any increase in the interest rate will result in higher payments. Contact us for details.
**APR = Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Above advertised rate includes direct deposit or automatic payment, certified TrueCar auto purchase, vehicle LTV and special EV/Hybrid rate reduction. Loan rates are tier-based and priced according to member’s individual credit ratings. Up to 120% financing available for new and used models. For used vehicles, age of vehicle not to exceed 7 model years. No payments for 45 days; however, interest will accrue. At no time can the discounted rate awarded be lower than the designated floor rate. Certain restrictions apply. Contact us for details.
*** APR = Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Loan rates are tier-based and priced according to member’s individual credit ratings. Rate match cannot exceed more than 2.00 percent of TFCU’s initial approved rate. Member must submit proof of competitor approval including rate and term of the loan. Designated rate cannot go below our designated floor rate.
****APR = Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Loan rates are tier-based and priced according to member’s individual credit ratings. Financing up to 85% of NADA or MSRP for new and used models with. For used boat/RV/motorcycles, age of vehicle not to exceed 7 model years. No payments for 45 days; however, interest will accrue. At no time can the discounted rate awarded be lower than the designated floor rate. Certain restrictions apply. Contact us for details.
***** This service is offered as an added convenience for members who want to make a loan payment from another financial institution. Payments can be made by ACH or debit card to any TFCU loan except Mortgage, Credit Card, and Student Choice Loan. A non-refundable convenience fee of $4.95 is assessed by ProPay, a third-party service provider, to securely process online payments to your Transportation FCU loan. A minimum payment of $1 is required to use this service. The maximum transaction amount is $3,000 or the pay-off amount, whichever is smaller. This service is available 24/7. Payments made outside of business hours or on weekends or holidays will be effective the next business day. Payments will be effective only after the transaction has been validated. Any disputed transaction or returned item will result in payment reversal from your loan and may result in additional fees.