We Want Your Car Loan

Whether you’ve been stuck with your current auto loan rate for 3 months or 3 years, refinancing your auto loan shouldn’t feel like you’ve taken a wrong turn. ATFCU has you covered with perks that won’t leave you wondering if you’ve made the right move.

  • Know Your Rate
    Fixed auto loan rates as low as 5.49% APR1 

  • Get it Done, Fast!
    Quick loan closing process

  • Cash-in on Perks
    For a limited time, if you switch your auto loan to ATFCU, you can earn $3002.

  • We'll Cover the Hard Part
    ATFCU will cover the standard Texas title transfer fee3 associated with refinancing

Effective October 1st, 2025

Auto Loan Options: New, Used, and Refinance1

Loan Type
Up to 66 Months
as low as
67 - 72 Months
as low as
73 - 78 Months
as low as
79 - 84 Months
as low as
New, Used, and Refinance 5.49% 5.69% 6.39% 6.69%

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1Annual Percentage Rate.  These rates are applicable for the purchase of a new, used, or refinance vehicle. Rates and terms subject to change without notice. New auto loan of $20,000 for 66 months at 5.49% APR will have a monthly payment of $352. 

2$300 cash bonus available when you refinance an auto loan from another financial institution with ATFCU. Existing ATFCU auto loans are not eligible. Minimum loan amount of $10,000 required. Bonus will be deposited into member’s share account upon loan closing. Offer subject to credit approval. Not all applicants will qualify. Offer expires on 11/10. Bonus may be reported as taxable income; members are responsible for applicable taxes. No payments for up to 90 days when refinancing from another lender.

3Texas Title transfer fees may vary.