New auto loans
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- Apply online for a Five Star FCU pre-approved auto loan. Our loan officer will let you know what you qualify for and will issue a sight draft for loan financing.
- New car loans are available in 36, 48, 60 and 72 month terms.
- Financing for 73-84 months is available for some vehicles; ask for details.
- Auto loan rates are available for 100% financing.
- When you opt for automatic loan payment, receive a 0.25% APR* rate discount.
Used auto loans
- Based on the retail book value of the car.
- Repayment terms are available for 48, 60 and 72 month terms.
- Financing for 73-84 months is available for some vehicles; ask for details.
- When you opt for automatic loan payment, receive a 0.25% APR* rate discount.
Other Vehicle Loans
We also offer low-rate loans for ATVs, boats, motorcycles and recreational vehicles (RVs); ask for details or visit our rates page for current rates.
New Car Loan Rates
Information effective June 1, 2023.
100% financing (not to exceed 100% MSRP) plus taxes, tags, warranties and credit insurance.Term APR* as low as up to 60 months 5.24%** 61 - 72 months 5.49%** 73 - 84 months 6.24%** *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates.
** Rate shown above includes 0.25% APR* automatic payment discount.Used Car Loan Rates
Information effective June 1, 2023.
Amount financed will be the lesser of the purchase price or NADA retail value, plus taxes, tags, warranties and credit insurance.Term APR* as low as up to 60 months 5.74%** 61 - 72 months 5.99%** 73 - 84 months 6.74%** *APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates.
** Rate shown above includes 0.25% APR* automatic payment discount.Apply online for your pre-approved auto loan to see what you can afford for your next vehicle.
Selecting your car and options
TrueCar Car Buying Service
Our TrueCar Car Buying Service shows you what others paid, so you can compare! Build your ideal new car or browse used cars online. Choose the TrueCar dealers you prefer to work with and provide your contact information to get pricing.
Vehicle Insurance Options
Auto Exam Warranty
This coverage offers affordable extended auto service contracts to protect your car from many expensive repair costs. For pricing and more details, call 1-800-709-5792 or visit the Auto Exam website.
Credit Life Insurance
We offer low-cost group-rate credit life insurance for extra protection on your loan; the cost is included in your loan payment.
Guaranteed Asset Protection (GAP)
If your car is totaled in an accident, GAP insurance pays the difference between your regular insurance payout and the balance owed on your auto loan. Our loan officer can provide more information.
TruStage Auto Insurance
Five Star Federal Credit Union has partnered with TruStage Insurance for many types of coverage, including vehicle insurance.
Loans are available for members in good standing; approval is based on credit history and debt-to-income ratio.