You deserve the best rates on life's big purchases. We have your back when it comes to buying a car and getting you the loan that works for you.
Menu
You deserve the best rates on life's big purchases. We have your back when it comes to buying a car and getting you the loan that works for you.
Or thinking about refinancing your vehicle or motorcycle loan that you have with another financial provider? Look to us first.
We get you pre-approved for a loan before you head to the dealer to help make your shopping and negotiating experience much smoother.
1. Apply Online & Get Pre-Approved
2. Shop for a Vehicle
3. Drive Away With Your New Ride
Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.
Get your free quote today or call 1-855-201-8999.
GAP pays the difference between the outstanding balance on your loan and the vehicle’s actual cash value, determined by your auto insurance carrier if your car is totaled. Another feature to GAP Plus is if your vehicle is totaled, you will receive $1,000 towards your next vehicle’s down payment. This feature is available for the life of the loan.
| New and Used Vehicles 2024-2019 | ||
|---|---|---|
| Term | Rate | APR* |
| 36 | 4.99% | 4.99% |
| 48 | 5.49% | 5.49% |
| 60 | 6.00% | 6.00% |
| 72 | 6.29% | 6.29% |
| 84 (on vehicles $40,000+ only) | 6.79% | 6.79% |
| Used Vehicles 2018-2014 | ||
| Term | Rate | APR* |
| 36 | 6.49% | 6.49% |
| 48 | 6.99% | 6.99% |
| 60 | 7.24% | 7.24% |
| Used Vehicles 2013-2010** | ||
| Term | Rate | APR* |
| 36 | 7.54% | 7.54% |
| 48 | 7.79% | 7.79% |
*APR=Annual Percentage Rate. Rates and terms are based on approved credit, FICO Score and loan type. Automatic payment enrollment applicable from any Carpenters or other financial institution checking account.
**Loans on vehicles 2013-2010 are required to have GAP Insurance.
***All loans for vehicles with 100,000 miles or more are required to have GAP Insurance.
¹84 month term requires the vehicle to be 2019 and newer and the loan amount needs to be over $40,000.
Join our VIP list for specials & more
©2023 Carpenters Credit Union - Designed by Carpe Viam Marketing
Federally insured by the NCUA
Carpenters Federal Credit Union is dedicated to promoting community development in all of the areas it conducts business and to provide affordable financial services to low-income people. In doing so, we will help them build assets & achieve financial stability.
Local: 651-646-8827
Toll Free: 888-815-8827
Fax: 651-646-1834
Routing # 296075807
NMLS # 644033
English 
Español de México