In addition to our low rates, you get the friendly, knowledgeable service you expect from UT Federal Credit Union, along with some added benefits that make it easier to get started:

  • No application fee
  • Easy online application
  • Affordable payment options
  • No pre-payment penalties
  • Multiple funding options
  • Simple closing process

UTFCU offers Guaranteed Asset Protection (GAP) and Extended Warranties that can be factored into your car loan. We offer our members exclusive rates and features that can save you hundreds of dollars over the long run. Ask your UTFCU lender for more information about our loan protection options.

Easy Rider Check

At UTFCU you can get pre-approved for a purchase and we’ll send you shopping with a blank check- good for a value up to your pre-approval amount. It’s as good as cash! You’ll be contacted by a UTFCU lender after submitting your loan application. Ask them about this funding option.

Easy Rider vehicles may not be more than six calendar years old or have more than 100,000 miles. Reconstructed, Lemon or Salvage branded titles are not eligible for purchase with the Easy Rider Check.


Auto Loan Rates

Secured Loans
Effective Date: Wednesday, June 12th, 2024
Loan TypeAPR* As Low AsMonthly Payments/$1,000
Secured loan – 48 months 5.55% $23.29
Secured loan – 60 months 5.55% $19.13
Secured loan – 66 months 5.55% $17.62
Secured loan – 78 months 5.55% $15.31
Secured loan – 84 months 5.55% $14.40
Secured loan – 96 months 7.49% $13.89
*Annual Percentage Rate. Promotion runs 06.01.2024 – 07.31.2024. Special rate of 5.55% APR applies only to vehicle model 2023 years old and newer, less than 100K miles, new money only, available to qualifying members. The estimated monthly payment is $14.40 per $1,000 borrowed for 84 months at 5.55% APR. No down payment is required. Rate and term may vary depending on collateral and credit qualifications. Other restrictions may apply. Federally insured by NCUA.