Auto Loans

Get where you need to go! FECU finances new and used vehicles for any member of FECU. Whether you are purchasing from a private party or going to a dealership we can provide you a preapproval and help you with all your borrowing needs.

  • Automatic payment options available
  • Finance up to 100 percent of NADA retail value
  • Terms up to 72 months for new and used vehicles (An 84 month term is available depending on collateral and borrower’s credit history)
  • No pre-payment penalties 
  • 24 hour turnaround

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This information is intended to provide general information regarding available loans only. It should not be considered legal or expert tax advice regarding your specific circumstances. Consult a qualified professional with questions regarding the topics herein. © 2020 Federated Employees Credit Union

Auto Loan Rates

Auto APR *
Auto Loans (2021 and newer) 2.50 - 3.00%
Auto Loans (2018 to 2020) 3.00 - 3.50%
Auto Loans (2015 to 2017) 3.50 - 4.00%
Auto Loans (2014 or older) 4.50 - 5.00%

* Rates quoted for up to a 72 month term. Contact us for extended term options.


I love the FECU due to the convenience of having the availability of using them right at my workplace. They are so friendly  and easy to work with. They offer great rates and I’ve used them for my vehicle loans a couple times. I love that they do automatic deductions right from my paycheck so I don’t even have to think about making the payment every month!


Relationship Pricing

Looking for a lower interest rate on your loan? You could qualify for a lower interest rate when financing with FECU. We offer members who use multiple products and services with FECU a discounted rate on eligible products.  Learn more about Relationship Pricing and if you qualify. Check out our current Rates .

Valuation Tools

The auto valuation tools can help you decide if you are paying the right price for a vehicle you are purchasing, or give you some idea of what the vehicle you currently own could be sold for. Here at Federated Employees Credit Union, we use the  NADA valuation tool. Kelly Blue Book and Edmunds are available as well.