2% Rate Drop* Promotion

Have a higher rate Auto Loan with another lender? Whether you have good credit or not, we can help you Refinance your Auto Loan and save hundreds if not more.

Got Bad Credit? Don’t worry! We may still be able to save you money. Have you made your last 6 auto payments on time? If so, take advantage of our 2% Rate Drop* Promotion today.

Got Good Credit? You too may benefit from a Refinance. Lock in our NEW low rate of 1.99% APR* for up to 84 months. New or Used Vehicles. Even if you just drove off the lot. YES! That’s right. Lock in a low fixed rate today!

*Other restrictions apply. For details contact a Member Service Representative at 410-828-4500. APR= Annual Percentage Rate. The current lowest available Auto Loan APR is 1.99% APR and is subject to change without notice. Negative equity and other restrictions may apply. Assuming a $10,000 loan amount, a 5-year term, and a 1.99% APR, you would make 60 monthly payments of $176.
For the 2% Rate Drop* Promotion Loan, your refinanced auto loan at Central Credit Union will mirror your current loan in terms of cosigners and payoff term. Auto loan must currently be financed with another lender to apply for this 2% Rate Drop promotion.


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Refinance For FREE

New and Used Auto Loans

  • 24 – 84 Month Terms
  • Can Be Financed Up To 100% of the NADA Value
  • Rates Well Below the National Average
  • Affordable GAP Insurance and Auto Insurance

Walk into the dealership knowing what you can afford and that you’ve got a great rate. Plus, you could also save hundreds on GAP and auto insurance through our partner, TruStage.  

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Get Pre-Qualified

Boats, Motorcycles, Recreational Vehicles, and Personal Watercrafts

Recreation, Motorcycle, Boats, and Personal Watercrafts can be financed.* The maximum allowable repayment term will be based on the amount borrowed.

*Restrictions apply.

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Insurance for Life’s Uncertainties

There’s one thing that’s certain; life can be uncertain. Your family’s financial wellness can be forever changed by a sudden job loss, illness, or accident.

We’re proud to work with several partners who offer our members discounts on a variety of insurance products related to your auto loans and other situations. It’s worth looking to see how much you can save.

Insurance Discounts

Been Turned Down for a Loan?

We care about your financial health. That’s why we partner with GreenPath Financial Wellness to provide our members with one-on-one budget reviews, debt management plans, credit report reviews, housing counseling, and student loan counseling.

Financial Wellness

**Insurance products are issued by 3rd party partners of Central Credit Union. Insurance products not issued, insured, or guaranteed by NCUA, any agency of the federal government, or Central Credit Union. Exact terms, conditions, and benefits of insurance products are provided by each company issuing the product. Discuss the information with the 3rd party issuer before purchasing.