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Keeping you on the road to success

Get competitive loan rates for both new and used cars, and up to 100% financing with a YEFCU vehicle loan. Unsure of how much your payments might be? Our Loan Calculator can assist you in the search for an accurate estimate.

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Auto Loan Services

When you apply for a vehicle loan through us, you’re not just getting a loan. You’re receiving financial service tailored specifically to our credit union’s membership.

  • New and Used Vehicles
  • Lower interest rates through Member Loyalty Program
  • New and Used RV’s and Trailers
  • Life, Disability Unemployment insurance/GAP insurance
  • Loans for Motorcycles, ATV’s, Boats, etc.
  • Up to 100% of NADA retail value/sticker price

We lend up to 100% of the sticker price on new car, truck, and motorcycle purchases. Enjoy low loan rates and term options from 36 to 84 months. Utilize our Loan Calculator for estimated prices. 

Loan TypeTermAPR*
New Vehicle 36 months As low as 5.99%
New Vehicle 48 months As low as 5.99%
New Vehicle60 months As low as 6.25%
New Vehicle 72 months As low as 6.50%
New Vehicle 84 months As low as 7.99%

 *APR=Annual Percentage Rate. Utility Trailer Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.

** Effective date September 26, 2023

Calculators

We lend up to 100% of the NADA Retail Value on used car, truck, and motorcycle purchases. Enjoy low loan rates and term options from 36 to 84 months. Utilize our Loan Calculator for estimated prices. 

Loan TypeTermAPR*
Used Vehicle Loans36 months As low as 6.19%
Used Vehicle Loans48 months As low as 6.59%
Used Vehicle Loans60 months As low as 7.29%
Used Vehicle Loans72 months As low as 8.29%
Used Vehicle Loans84 months As low as 8.59%

*APR=Annual Percentage Rate. Vehicle Loan Rates shown are for 85% financing. 100% financing is available for an additional 0.50% APR. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.

Calculator CTA
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Get your loan questions answered personally

Our staff are here to help you with every step of the loan process. For questions and consultation, schedule an appointment to meet with a YEFCU loan officer to explore your options.

Schedule an Appointment

Our members are raving about YEFCU!

“It was a pleasure working with the loan officer, Rose, at YEFCU in getting a loan for an inexpensive used 2nd car I needed. Rose was highly professional and very patient in answering my questions as she provided many different options for the loan term-length and percent financed and how these various options affected the monthly payment. I applied on a Thursday morning and the funds were available – to the dealer I purchased from – on the next day, Friday morning. It was a smooth and pleasant experience working with Rose. ”

– David K.

“The ladies out front…are very helpful and do everything to make you comfortable and help solve all your problems in a professional way. Mrs. Tammy and Mrs. Rose are the bomb at getting your loans and collections as good as they can be to help things stay affordable and help get your credit right”

– Jennifer

“We recently switched our Mastercard from a big institution to a Visa from YEFCU. We worked with Rose and she was top-notch. I could speak with an actual person who genuinely seemed to care about the best decision for us. The interest rate at YEFCU was SO much lower than the Mastercard from the big bank. We are extremely happy with our service from Rose and are happy that we can call or visit our local YEFCU with any matters. Thank you, YEFCU!”

– Amy

“Customer service is a priority at YEFCU! Respect, attention to detail, and a friendly smile are all part of the package. A most wonderful environment!”

– Anthony F.

Member Resources

Financial Calculator

Looking for a loan that won’t break the bank? Our financial calculator can help you estimate your payments through specified interest rates, down payments and timelines.

Calculators

Insurance

Offset financial risk with insurance done the credit union way. TruStage offers programs for life insurance, GAP car insurance, debt protection and more.

Insurance

Lending Rates

Because YEFCU is a non-profit organization, our profits are returned back to our members in the form of fewer fees, higher dividends and lower lending rates.

Lending Rates

Online Banking

Did you know that members can apply for loans through our Online and Mobile Banking applications? Log into your YEFCU account below to get started!

Online Banking

The first step of your financial journey is just a click away.

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