Drive away happy with a low-rate auto loan.

The car you want is within reach with our low rates.
Feel confident at the dealership knowing what you can afford and what you should be paying.

Auto, Truck or Motorcycle loans should be simple and fast. Did we mention we have same day approvals?

Ask a Financial Service Representative a question


Whether you’re buying a new or used car or truck, getting pre-approved before setting foot on the dealership lot will make shopping easier. Get pre-approved today.


Refinance your current car loan with CRFCU. By bringing your auto loan from another lender to CRFCU, you could save money over the life of the loan.


Use our loan calculator to estimate the amount of your monthly truck or car payment. Enter the car payment you want, auto loan rate, loan term or total car value to calculate your payment.

Time for a better deal on your auto loan

If you’re paying too much in interest on your car or truck loan, refinancing could be a great way to save you some serious money. Interest rates for vehicle loans may have dropped since you financed your auto or maybe you’ve improved your credit score, which could qualify you for a lower rate. Either way, you could save hundreds of dollars by replacing your current auto loan with one from CRFCU.

Suppose last year you financed $30,000 at 17.00% interest for 5 years. Your monthly principal and interest payment would be about $745.  But say you could refinance the remaining balance of $20,000 for four years at a lower rate of 7.00%. Your payment would drop to $479. That’s a savings of $266 a month, or almost  $13,000 over four years, with the same payoff date.

Refinancing your auto loan can be a smart move in the right situation. By receiving a lower rate, you could save on interest costs, reduce your monthly payments and save you money!  Apply online and in just a few minutes you could be on your way to putting more cash in your pocket.

Get ready. Get set. Go… get an auto loan today!

We offer special loan terms for Young Adult shoppers who are First Time Car Buyers. Members who are 18 – 26 can borrow up to $15,000 if they satisfy the following requirements:

  • Must be at least 18 and able to repay the loan
  • Have been working 12 months or longer
  • Make at least $18,000 a year
  • Have limited credit history – no derogatory credit
  • Car mileage is less than 100,000 miles
  • Requires a min. borrowing balance of $10,000 – max. $15,000
  • Max LTV is 100%
  • Must sign up for auto-payment from a CRFCU checking account with direct deposit to  receive additional discount

We offer affordable payments, flexible terms, and fast approvals.

Have bad credit and need a loan? Talk to one of our Financial Service Representatives about how we can help.


Death, disability, unemployment and other unforeseeable events are simply a part of life that we all try to be prepared for.

That’s why we offer MEMBERS CHOICE™ Debt Protection*. You don’t have to enroll, but it’s here if you want to. MEMBERS CHOICE™ Debt Protection will make your loan payments for you if illness or injury leaves you unable to work.  MEMBERS CHOICE™ Debt Protection also helps with your outstanding loan balance in the event of your death. And some packages include protection against involuntary unemployment.

The program is optional, of course, and it can cover your consumer loans and home equity loans. To sign up, give call one of our Financial Service Representatives at 518-783-2211.

*This is a summary of the Debt Protection program. Enrollment in the plan is optional. MEMBERS CHOICE™ Debt Protection is a debt cancellation product available through Community Resource Federal Credit Union. Please contact your financial service representative or refer to the member agreement for additional information on benefit maximums, eligibility and limitations.



Discounted Defensive Driving Classes

We offer a discounted rate for members to take an online defensive driving course. Upon completion of the class, you’ll receive a certificate that you can submit to your insurance company to receive a 10% insurance reduction.

  • 100% online – no final exam
  • The course website is available 24 hours a day… 7 days a week
  • Take up to 30 days to complete the course
  • 10% Insurance Premium Reduction for 3 years
  • Reduces points from driving record
  • 100% money back guaranteed policy

Click here to begin. Use code LM101 for a $5.00 discount.

.* Offers listed herein are for credit qualifying CRFCU members for new/used vehicle loans. Rates, terms and conditions are subject to change without notice and may vary based on creditworthiness and collateral conditions. All loans are subject to approval. CRFCU reserves the right to alter or withdraw these offers or certain features thereof without prior notification.