Vehicle Loans

There are lots of places to turn for car loans, but only one where your interests come first — your credit union. We combine competitive rates with flexible terms to help put the car you want within reach.

Great Rates & Flexible Terms

Whether new or used, DCTFCU offers competitive rates with terms ranging from just 24 for months to up to 84 months. Save even more when you make a 10% down payment. Looking for 0% down? We can do that at a great rate too!

Refinance & Save

Are you paying too much for your current auto loan? Refinance your vehicle at DCTFCU for a lower rate and lower monthly payments.

Cars, Boats and Planes — Oh my!

Whether it be a car, truck, SUV or van, DCTFCU can finance it for you. We’ve also got you covered on the water and in the air. Come to your credit union for great rates on boats and airplanes.

Apply Now

Before you shop, apply for a loan pre-approval so you will know how much buying power you have. Complete a loan application and return it to the credit union in person, by fax or by mail with your two most recent pay stubs.

New & Used Vehicle Loan Rates

Effective January 1, 2016

Loan TypeTermAPR*Down Payment
Autos New or Used**24 months1.99% - 14.25%0% down
 25 - 36 months1.99% - 14.50%0% down
 37 - 48 months1.99% - 14.75%0% down
 49 - 66 months1.99% - 15.00%0% down
 67 - 72 months5.50% - 6.75%0% down
 73 - 84 months6.00% - 7.25%0% down
Autos New or Used**24 months2.89% - 13.75%10% down
 25 - 36 months2.89% - 14.00%10% down
 37 - 48 months1.99% - 14.25%10% down
 49 - 66 months1.99% - 14.50%10% down
 67 - 72 months5.00% - 12.75%10% down
 73 - 84 months5.50% - 6.75%10% down
Other Vehicles 24 months5.50% - 15.25%0% down
 25 - 36 months5.50% - 15.50%0% down
 37 - 48 months5.50% - 15.75%0% down
 49 - 60 months5.50% - 16.00%0% down
 61 - 72 months6.50% - 7.75%0% down
 73 - 84 months7.00% - 8.25%0% down
 24 months5.00% - 14.75%10% down
 25 - 36 months5.00% - 15.00%10% down
 37 - 48 months5.00% - 15.25%10% down
 49 - 60 months5.00% - 15.50%10% down
 61 - 72 months6.00% - 13.75%10% down
 73 - 84 months6.50% - 7.75%10% down
*APR= Annual Percentage Rate. All rates and terms are based on an evaluation of each member’s credit history‚ loan-to-value (LTV) payment type, loan amount‚ and loan purpose‚ so your rate and terms may differ. All loans are subject to credit approval. Financing of Tax and Tags for Autos is subject to approval.

Extended Warranty

Get extra protection for your car and your pocketbook!

Protect your budget and your vehicle with an Extended Warranty from D.C. Teachers’ FCU. Get peace of mind and protection against expensive, unexpected automotive repair costs when you purchase an Extended Warranty from D.C. Teachers’ FCU.

Purchase your Extended Warranty from DCTFCU to enjoy:

  • Lower cost than what you’ll pay at most dealerships
  • Coverage of most major components in the event of a breakdown
  • No-hassle direct payment (no reimbursement forms)
  • A one-time premium that may be financed along with your vehicle

When financing your next new or used vehicle, be sure to purchase an Extended Warranty through your credit union. If you’ve already purchased your vehicle you may still be eligible if you have at least one month or 1000 miles on your manufacturer’s warranty. To find out more, please call us at 202.547.4800 or stop by your nearest location.

Car-Buying Resources

Need help purchasing your next vehicle? Check out our car buyer’s guide, Driving Needs.

United Buying Service

Since 1967 United Buying Service has been dedicated to providing savings in vehicle purchases for buyers from Northern Virginia to Baltimore. We remain committed to benefit our car-buying members.  This dedication and single-mindedness has led to tens of thousands of happy UBS customers who have saved time and money when purchasing their vehicle.

D.C. Teachers Federal Credit Union has established relationships with third-party companies like United Buying Service to provide services to DCTFCU members. While we do our best to choose these companies based on the quality of their services, we are not responsible for their services. If any problems arise with goods or services delivered by third parties, you will need to address your concerns directly to that third-party company.

Recommended Reading:

After-Market Aggravation
Should You Buy or Lease?
Buying a Used Car
Choosing the Right Car for You
How to Cut Your Insurance Costs
How to Take a Test Drive
Preparing Your Trade-In for Top Dollar
Safety – You Asked for It
Using Home Equity for a Tax Deductible Auto Loan
When 1.9% Sounds Too Good to Be True