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Drive Toward a New Adventure


We offer vehicle loans to fit your needs and your budget. When you’re ready to buy a car, refinance the one you already own, or get behind the wheel of an RV or boat, we’ll be here to help.  

Take Advantage Of:

Apply for a Vehicle Loan Online

Fast Pre-Approvals to Get You Behind the Wheel

Shop for a Vehicle Online

Online Vehicle Shopping with TrueCar®

Check out our Loan Rates

Low Competitive Rates that Could Save You Monthly

New/Used Vehicle Loans

The car or truck of your dreams could be an application away. Qualify, and we could finance up to 120% of the cost to help pay for taxes, tags and the title.*

Refinance a Vehicle Loan

Don’t pay more than you’d like every month for your vehicle loan financed elsewhere. Refinance your auto loan to Transportation FCU and we could help you lower your interest rate, decrease your monthly payment, or pay off your loan sooner.

Experience Our Difference

  • Fast pre-approvals
  • Up to 120% financing available*
  • No payments for 90 days*
  • Flexible repayment options
  • Competitive low rates
  • Low-cost insurance and extended warranty options

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
  • 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

We designed our packaged service accounts to fit your lifestyle and to reward your relationship with us. Qualified members receive loan discounts and price breaks based on their relationship with us.

Express Membership*

Any combined share savings deposit of $1,000 qualifies you to receive this long list of free and reduced-cost services. All savings, club, checking, money market, share certificate, and IRA account balances qualify.

You can avoid some service charges for normal financial transactions as an Express Account user. In fact, you could save money every month that you’re enrolled.

  • Free Foreign ATM transactions (A fee may be imposed by the owner of the ATM.)
  • Optional interest-bearing checking accounts
  • Pre-approved VISA credit card with no annual fee* (upon request)
  • No maintenance fee on Individual Retirement (IRA) accounts. Fees may reduce earnings

Concorde Membership**

Concorde members earn a higher level of free and reduced-cost service benefits each month. You simply maintain combined savings and/or loan balances of $10,000. All savings, club, checking, money market, share certificate, and IRA balances, as well as all consumer and mortgage loan balances (except Visa credit card) qualify toward the $10,000 minimum balance.

You could save money all year long as a Concorde member with these additional benefits. You automatically receive all Express benefits, plus the following:

  • Two free boxes of Transportation FCU design checks per year.
  • Pre-approved overdraft protection (upon your request)
  • Two free official checks per month made payable to a third party
  • Five free money orders per month.
  • Rate discount – 0.25% Annual Percentage Rate (APR) discount on regular rates for personal and vehicle loans

Premier50 Membership***

This account is exclusively for members age 50 and over. You have two options to qualify for Premiere50 benefits: either maintain combined savings and/or loan balances of $20,000 (except Visa credit card) or use direct deposit and maintain combined savings and/or loan balances of $15,000. Premiere50 provides Express and Concorde level benefits, plus even more savings.

  • One-time, paid AARP annual membership
  • Five free money orders per month
  • Two free official checks per month
  • Rate discount 0.50% Annual Percentage Rate (APR) discount on regular rates for personal and vehicle loans

*Fees may reduce earnings.  Any month your combined deposit balance falls below the required $1,000 minimum, you pay a modest $7 maintenance fee for Express Account benefits. Based on creditworthiness. Some members may be approved for our secured VISA card.

**Fees may reduce earnings. Any month your combined deposit balance falls below the required $10,000 minimum, you pay a modest $10 maintenance fee for Concorde Account benefits. Based on creditworthiness. Some members may be approved for our secured VISA card.

***Fees may reduce earnings. Any month your combined deposit balance falls below the required $15,000 with direct deposit or $20,000 stand-alone minimum, you will pay a modest $15 maintenance fee for Premiere50 Account benefits. Based on creditworthiness. Some members may be approved for our secured VISA card.

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!


*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. Up to 120% financing available for current models with less than 1,000 miles. For used vehicles, age of vehicle not to exceed 7 model years. No payments for 90 days; however, interest will accrue. At no time can the discounted rate awarded be lower than the designated floor rate. Refinanced auto loans do not include currently financed auto loans with credit union. 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. Financing up to 85% of NADA or MSRP for current models with less than 1,000 miles. 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. Offer does not include currently financed vehicle loans with credit union. 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.