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Welcome to TCU's Auto Center

Buying or refinancing a car doesn't have to be a hassle. When you work with Thrivent Credit Union, you can finance and insure the car you want. Our customized Auto Center walks through these important phases of car buying. With TCU's help, you can sit back, relax and find the loan and insurance policy that's right for you.

Plus, enjoy a rate discount on your auto loan just for banking with us. The more qualifying products you have with TCU, the more you save. It’s that simple.

.25% Rate Discount .50% Rate Discount
TCU Membership Account TCU Membership Account
Payment automatically deducted from a TCU account Payment automatically deducted from a TCU account
1 of the following products**
  • Consumer/Business Deposit Accounts1
  • Consumer/Business Loan Accounts2
2 or more of the following products**
  • Consumer/Business Deposit Accounts1
  • Consumer/Business Loan Accounts2
** Members applying jointly can combine their accounts to determine the discount they qualify for.

Ask a personal banker about the option of no monthly payments for up to 90 days for new or used consumer auto (cars and trucks), loan purchases and refinances.1

Auto loan rates

Model years APR as low as (%) Term (Months)
2017 – 2021 2.49 36
(up to 72-month term available)
2011 – 2016 3.24 36
(up to 72-month term available)
2010 & Older 4.49 36
(maximum term of 36 months)

1 First payment may be deferred up to 90 days, but interest will continue to accrue during the deferred payment period. Example: A 3-year (36 month) $20,000 loan with a rate of 2.49% that closes on November 17, 2020 will have 34 payments of $612.30 beginning on February 16, 2021. For new or used consumer auto (cars and trucks) loans on purchases or refinances of current TFCU loans or loans at another financial institution. This offer does not apply to business loans or other vehicles such as motorcycles and motorhomes. Your eligibility for this offer and the actual Annual Percentage Rate (APR) is based on your term, payment method, credit history and other credit qualifications. All rates are subject to change at any time without notice. Some restrictions may apply. All loans and lines of credit are subject to credit application, qualification and approval. This offer is subject to end at any time without notice.

2 Your rate will be determined based on payment method, account relationship, creditworthiness and collateral. Rate(s) listed reflect a .50% loan discount.

Rates used in these examples are effective as of April 1, 2021 and assume excellent credit history and automatic payment from a Thrivent Federal Credit Union account. Rates are subject to change without notice. Other rates and payment options are available. All loans are subject to credit application, qualification and approval. Restrictions may apply. APR is Annual Percentage Rate.

Payment examples:

2017 – 2021
A $20,000 auto loan with a simple interest rate of 2.49% and a corresponding APR of 2.49% for 36 months equates to a monthly principal and interest payment of $577.14.

2011 – 2016
A $20,000 auto loan with a simple interest rate of 3.24% and a corresponding APR of 3.24% for 36 months equates to a monthly principal and interest payment of $583.74.

2010 & Older
A $20,000 auto loan with a simple interest rate of 4.49% and a corresponding APR of 4.49% for 36 months equates to a monthly principal and interest payment of $594.85.