Auto Loans

SPECIAL OFFER!

Play now, pay later! 
Enjoy no payments for 90 days on your next auto, boat, ATV, personal watercraft, RV, farm vehicle, or motorcycle loan.1

We'll Get You Moving

Whether you’re in the market for a new or used auto, we’ve got great rates and convenient terms on all our vehicle loans every single day. And we’ll do more than provide financing.

Get started today on your search for a new or used auto!

Apply Now

We have tools to help you make the best purchasing decision.

  • Use our Wheels and Deals site to search local dealerships for the vehicle you are interested in.
  • Check the J.D. Power value for your trade-in or the vehicle you are looking at.
  • Use Carfax service to assist in finding out the history of the vehicle.
  • Enjoy the convenience of on-the-spot financing from Y-12 Federal Credit Union. Just visit one of our dealer partners listed on our Wheels and Deals site, select your vehicle, negotiate your price and tell them you are a Y-12 Federal Credit Union member. They can take your application for credit union financing, process the paperwork, and send you home that day behind the wheel of your new car.

This loan is eligible for Loyalty Rewards redemption.2

Subject to credit approval.

1. APR is Annual Percentage Rate. First payment due no later than 90 days after loan funding for qualified loans originating on or after May 30, 2024, until further notice; interest accrual begins on date of funding. Existing Y-12 FCU loans excluded. Rate pricing based on credit score, term, and age of collateral. Loans subject to credit approval. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA. 
2. Qualifying loan: Requires a $5,000 minimum opening balance and a minimum one-year term.