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EPFCU is your best source for financing your next auto, motorcycle or boat!

We offer loans for new and used vehicles with:

  • Rates as low as 3.25% APR*
  • Up to 100% financing
  • Terms up to 84 months
We also finance motorcycles, boats and RVs.
Our rates are always competitive, and we offer additional options for reducing them even more!

New Auto, Truck & Motorcycle Loan Rates

Effective Oct 1, 2019Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 3.25% $29.20/36 Mos.
Up to 48 Months 3.50% $22.36/48 Mos.
Up to 60 Months 3.60% $18.24/60 Mos.**
Up to 72 Months 3.85% $15.58/72 Mos.
Up to 84 Months 4.50% $13.91/84 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.24 x 20 = $364.80 per month; your loan will have a total cost of $21,888.00 ($364.80 x 60).

Used Auto, Truck & Motorcycle Loan Rates

Effective Oct 1, 2019Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 3.50% $29.30/36 Mos.
Up to 48 Months 3.60% $22.41/48 Mos.
Up to 60 Months 3.85% $18.36/60 Mos.**
Up to 72 Months 4.15% $15.72/72 Mos.
Up to 84 Months 4.75% $14.02/84 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.24 x 20 = $364.80 per month; your loan will have a total cost of $21,888.00 ($364.80 x 60).

New Boat & Recreational Vehicle Loan Rates

Effective Oct 1, 2019Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 4.50% $29.76/36 Mos.
Up to 48 Months 4.75% $22.93/48 Mos.
Up to 60 Months 5.00% $18.88/60 Mos.**
Up to 72 Months 5.35% $16.28/72 Mos.
Up to 84 Months 5.75% $14.50/84 Mos.
Up to 120 Months 6.25% $11.24/120 Mos.
Up to 180 Months 7.50% $9.28/180 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.88 x 20 = $377.60 per month; your loan will have a total cost of $22,656.00 ($377.60 x 60).

Used Boat & Recreational Vehicle Loan Rates

Effective Oct 1, 2019Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 4.50% $29.76/36 Mos.
Up to 48 Months 4.75% $22.93/48 Mos.
Up to 60 Months 5.25% $19.00/60 Mos.**
Up to 72 Months 5.75% $16.46/72 Mos.
Up to 84 Months 6.25% $14.74/84 Mos.
Up to 120 Months 6.25% $11.23/120 Mos.
Up to 180 Months 7.50% $9.27/180 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.88 x 20 = $377.60 per month; your loan will have a total cost of $22,656.00 ($377.60 x 60).

New and Used Small RV Loan Rates

Effective Oct 1, 2019Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 4.50% $29.76/36 Mos.
Up to 48 Months 4.75% $22.93/48 Mos.
Up to 60 Months 5.25% $19.00/60 Mos.
Up to 72 Months 5.75% $16.46/36 Mos.
Up to 84 Months 6.25% $14.74/36 Mos.
Includes ATVs, UTVs, Snowmobiles, Dirt Bikes, Golf Carts, and Personal Watercrafts.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.88 x 20 = $377.60 per month; your loan will have a total cost of $22,656.00 ($377.60 x 60).
†Boat Loans are available only for boats 26 feet in length and less.

Get started today


Car-Buying Resources

EPFCU participates with trusted outside resources to make your vehicle purchase the best it can be! We have articles, videos, and podcasts chock-full of tips and hints, as well as tools to search the area for the car that fits your preferences. Learn more.

TruStage® Auto Insurance Program

The TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Learn more.

Vehicle Insurance Verification

ProofEZ.com: An EZ solution for insurance verification. ProofEZ.com is here to make sure the submission of your insurance verification documents is simple.

Loan Protection Products

GAP Protection protects you against losses if your car is stolen or totaled, and Debt Protection helps if you're ever injured or disabled and can't make your loan payment. Both are available when you apply for your loan. Learn more.

Vehicle Extended Service Contracts

Extended coverage can help you save money if your car ever needs to be repaired and your manufacturer's warranty has expired. In addition, it could help if you re-sell your vehicle. Learn more.

 

Insurance options outlined on this page are NOT:

  • Insured by NCUA
  • Underwritten, issued or guaranteed by NCUA or any other federal government agency
  • Required to purchase as a condition of the loan

 

††You must be eligible for membership in EP Federal Credit Union in order for your loan application to be considered. See our eligibility requirements.

Apply NowSaving on car insurance. Get a quote. TruStage Insurance Company.
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EP Federal Credit Union

As a not-for-profit financial cooperative, we are able to offer low-rate loans, competitive savings and conveniences with lower or no fees. You contribute directly to the well-being of the credit union simply by taking advantage of these beneficial services.

As a not-for-profit financial cooperative, we are able to offer low-rate loans, competitive savings and conveniences with lower or no fees. You contribute directly to the well-being of the credit union simply by taking advantage of these beneficial services.

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