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Buy With Confidence. Finance With People Who Know the Trades.
Whether you’re buying your next truck, commuting vehicle, family SUV, or work-ready pickup United Trades FCU can help you secure financing that fits your budget.
Our goal is simple: help you understand your options, avoid surprises, and make a confident vehicle purchase.
Why Finance with United Trades FCU?
- Competitive rates on new and used vehicles
- Local decisions and personal service
- Preapprovals that help you shop confidently
- Financing for dealership and private-party purchases
- Auto loan refinancing options available
See Your Rate Before You Apply
Log in to online banking and use our Credit Score tool to preview your rate for an auto loan. Customize your loan amount and term and see your APR* in seconds, risk free.
Buying or refinancing an auto with us
Want to learn more about the auto-buying and financing process at United Trades FCU? Choose an option below to find out more about each process.
Auto Buying Process
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Applying for an Auto Loan
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Auto Loan Preapproval
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Refinance your Auto Loan
Learn moreAuto Loans EFFECTIVE Friday, November 6, 2026
| Loan Type | APR as low as | Maximum Term* | Info |
|---|---|---|---|
| New Vehicle | 4.99% | 84 months | Vehicle that is 2024 or newer and with 40,000 or less miles. |
| Used Vehicle 1 | 4.99% | 72 months | 2016-2023 or 2024+ with over 40,000 miles. |
| Used Vehicle 2 | 7.23% | 60 months | 2015 or older or any vehicle with over 100,000 miles. |