Auto Loans

Take advantage of TCT's Low Auto Loan Rates. We offer flexible terms, excellent service and a suite of auto financing options. Plus, we offer a rate discount with automatic loan payment via payroll deduction or direct transfer from your TCT checking account.




Conventional Auto Loan - You're a traditional car buyer and want the lowest possible rate


  • Easy Application Process
  • Low Rate of 1.74% APR*
  • Affordable Monthly Payments
  • Automatic Loan Payment Discount Available
  • GAP Insurance Available

Apply Now

Auto Refinance - You want to refinance your existing auto loan to lower your monthly payments


  • Easy Application Process
  • Low Rate of 1.74% APR*
  • More cash in your pocket
  • Automatic Loan Payment Discount Available
  • GAP Insurance Available

Apply Now

Payment Saver Auto Loan - You want lease-like low payments with the flexibility of owning your car and option to walk away at loan maturity


  • Monthly payment savings
        -Up to 40% lower than Conventional Auto Loans
  • No Down Payment
  • Option to Sell, Trade, Refinance at any time
  • Option to Return Car and Walk away at Loan Maturity
  • Flexibility to choose your mileage
  • GAP Insurance Available

Learn More Now


Easy Application Process

Applying is easy! Apply online now, call 800-721-8288, or visit your local branch.


Apply Now View Rates Protect Your Purchase


GAP Insurance

We offer the option to add on Guaranteed Asset Protection (GAP) when you finance your car with us. If your vehicle is totaled or stolen, GAP Insurance insures you for the difference between what you owe and what your insurance company says it is worth. It's valuable protection for your investment. Please contact us at 800-721-8288 for more information on GAP Insurance for your next purchase.



Auto Smart Made Easy 


 Car and Home insurance. You could save an average of $427.96. Get a quote.




*APR=Annual Percentage Rate, Interest rates are quoted using the lowest rate available. Your individual credit qualifications will determine rate and term. The disclosed rate reflects a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT checking account.


**By using an external/third-party link you will be leaving the TCT Federal Credit Union Web site. We are not responsible for accuracy, security, or content of other Web sites. We do not represent either the third-party or the member if the two enter into a transaction. We encourage you to view privacy and security disclosures of all Web sites you visit.





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