Credit Union Car Loans

Auto loanWith great rates and quick approvals on our auto loans, we remove roadblocks so you can zip through the loan process and drive away in the ride you’ve been wanting. Apply for an auto loan easily with our online application. Or, if you prefer to take care of financing when you’re ready to buy, just visit a participating dealer and ask to finance through Seasons FCU.


Bring us your auto loan from another lender and we could lower your rate by at least 2% APR*. Plus, enjoy NO payments for 60 days!


Auto Loan
rates as low as

1.74% APR*

up to 60 months

Apply Online Today


*APR = Annual Percentage Rate. Loan rates and terms are accurate as of 11/01/2021. This offer is to refinance an auto loan from another lender and is subject to credit approval and lending policies. Floor rate is 1.74% APR. Minimum refinanced auto loan amount is $5,000. Maximum auto loan rate is 18.00% APR. A fixed rate loan for $20,000 based on a 1.74% APR paid over 60 months would have 60 monthly payments of $348.29. 60-days no payment offer only for qualified borrowers. Interest still accrues during the payment deferral period. Rates can vary based on creditworthiness, age of vehicle, and terms of the loan. Your actual rate can be higher or lower depending on credit performance. Rates & terms subject to change based on market conditions and borrower eligibility. Verification of current auto loan rate required. Additional criteria may apply. View full rate information and qualifiers.



The Rundown

  • Excellent rates that beat industry averages
  • Refinance your higher rate auto loans and save
  • Flexible terms for payments you can afford
  • Make your car loan payments through Online Banking
  • GAP Insurance—Protect yourself in the event your vehicle is stolen or totaled, substantially less than what the dealer charges.
  • Mechanical Breakdown Coverage available for peace of mind


Refinance your auto loan today and put more money in your pocket!

Have you ever wondered if you could get a better interest rate, lower a car payment, or reduce the term of your loan? Chances are, you can. If you currently have a car loan somewhere other than Seasons FCU, you may be able to lower your payment by refinancing your loan. We make it easy to refinance your vehicle with a loan that better fits your financial needs.

  • Lower your interest rate
  • Reduce your monthly payments
  • Choice of terms and payment options
  • Easy application process

*This chart is for illustration purposes only. Your payment can vary based upon your individual situation. Actual rate may decrease, or increase based upon loan term, collateral, and loan amount. Some financial institutions charge a prepayment penalty. **Loan rates are subject to change without notice. Actual rate received is based on your credit qualifications. Loan subject to credit approval. Fixed rate. No prepayment penalty. Loan must be refinanced from another financial institution. 

Apply Online Today



When you’re pre-approved, you hold the key!

Before you head to the dealership, there are some things that you can do beforehand, like determining your price range, getting pre-approved, and reading lots and lots of reviews. Buying new can seem appealing, as you will be the car’s first owner and also be covered by a warranty. Buying used is also a good choice, and will typically mean a lower price. A third option is to lease, which is similar to renting a vehicle that you may not otherwise be able to afford. 

Watch this video to learn the pros and cons of each option when looking for a car.


Make an appointment with our team in the branches!

Do you have questions about your account? Do you need to apply for a loan or a credit card? 

If you schedule an appointment online, you can choose the time and date that works best for your schedule to come into a branch. You can avoid waiting in the lobby when you need financial help.

Make an Appointment


Looking for help paying your loan?

How to pay and who to contact



Auto Insurance

Wherever the road takes you, it’s important to get the right coverage to protect Solstice Insurance Agency. Freedom of the open road!yourself, your family and your vehicle. Solstice Insurance Agency offers comprehensive coverage on cars, trucks and motorcycles, as well as recreational vehicles and boats.

Adding a new driver to your policy? Purchasing a new vehicle? Looking for a better price on your existing policy? Give us a call or go to our Insurance Agency for a free quote. Additional discounts may be available based on driving history and/or number of vehicles insured.

Visit our Solstice Insurance Agency where we can walk you through these steps and get you on the road to saving money now.

Click Here For a Free Quote

Or give us a call at 855-832-6336 

Solstice Insurance Agency is an affiliate of Seasons Federal Credit Union, is not an obligation of the credit union, is not guaranteed by SFCU, and not insured by NCUA.



Auto Loans

New Auto Loan Rates

Term Rate** Payment Amount Per $1,000.00 Borrowed Assumptions
Up to 60 months as low as 1.74% APR $17.41 Platinum credit and loan amount of $15,000
61 to 72 months as low as 2.49% APR $14.97  
73 to 84 months
(Min $25k loan amount)
as low as 3.74% APR $13.55  

Used Auto Loan Rates

Term Rate** Payment Amount Per $1,000.00 Borrowed Assumptions
Up to 60 months as low as 2.24% APR $17.63 Platinum credit and loan amount of $15,000
61 to 72 months as low as 2.74% APR $15.08  
73 to 84 months
(Min $25k loan amount)
as low as 3.74% APR $13.55  

**Your rate will be determined by your credit report & age of vehicle.

Rates effective November 1, 2021


Are you getting the insurance coverage you need and the savings you deserve? Choosing the right auto insurance can help protect you from the risks of the road.

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Some of our offerings

Credit Cards

Low interest, rich rewards—your card, your choice.

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Auto Loans

Great rates, flexible terms, personalized service.

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Fast, affordable home loans, and help every step of the way.

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