Auto Loans | Cooperative Teachers Credit Union

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CTCU Auto Loan

Auto Loans

We offer Auto Loans and Refinancing

Our auto loans not only come with great rates and flexible terms, but also feature many extra benefits and add-on products to help you save.


Our best rates come with the ease of automatic payment withdraw from your CTCU checking or savings account. The options below are a sample of our rates.

Auto Loan Rates New Vehicle - 5 Years and Newer
Starting as low as6.99%
Auto Loan Rates Used Vehicle - Older than 5 Years
Starting as low as10.94%

*Regardless of member’s qualifying account relationship discounts or matching rate provision, the rate will at no time go lower than our current floor rate. Subject to credit and collateral approval.

Joining CTCU has it's perks!

100% Financing

We're here with the help you need - offering up to 125% financing for both new and used vehicles.

Fast Preapprovals

We offer our members some of the lowest rates around. If you come to us first for preapproval, you’ll not only save money but also walk into the dealer with a clear spending plan and greater negotiating power. We can also tell you how much you’ll need as a down payment and offer other helpful insights.

Flexible Terms

We tailor your loan to give you a monthly payment that fits, with terms up to seven years for a new car.

Easy Payments

Set up direct payment from your CTCU account and never worry about late payments, stamps, or other headaches again!

GAP Advantage Insurance

We offer GAP Advantage Insurance on all auto loans. GAP Advantage is a valuable asset that covers the difference between what your car is currently worth and your remaining auto loan balance. In the event of severe damage, theft, or total loss, GAP Advantage Insurance gives you peace of mind.

Payment Protection Insurance

With Payment Protection Insurance, your loan payment may be reduced or paid off if you die or become disabled due to a covered illness. The cost of coverage is conveniently included in your monthly payment, and benefits are paid even when other insurance is in force- helping to reduce financial risk for you and your family.

No Hidden Fees

We’ll never charge you hidden fees. Our auto loans have no set-up fees and no pre-payment fees.

Route 66 Extended Warranty Insurance

This warranty is a comprehensive mechanical breakdown coverage of all makes and models of automobiles. Contact our consumer loan office for more information.

Note: applicants must be a member or eligible member to apply. Rates vary depending on credit score. All loans are subject to credit approval.

Credit restrictions apply. Rates and terms are subject to change at any time. Rate is determined by individual credit history and repayment term.

Take the next step to getting your auto loan:

Apply for an Auto Loan Apply for a Used Auto Loan Contact Us

Loan Calculator

Curious about a loan? Try out our loan calculator to get a better understanding of what you’ll be paying!

Looking to build your credit?

Our Starter Loans and Credit Builder Loans can help!

Take advantage of credit loan perks