Welcome to TCU's Auto Center
Buying or refinancing a car doesn’t have to be a hassle. You can work with Thrivent Credit Union to finance, insure and protect your car. Our customized Auto Center walks you through the important phases of your car buying experience, letting you to sit back, relax and choose the loan, insurance and asset protection 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 |
|---|
| TCU Membership Account |
| Payment automatically deducted from a TCU account |
1 of the following products**
|
| .50% Rate Discount |
|---|
| TCU Membership Account |
| Payment automatically deducted from a TCU account |
2 or more of the following products**
|
| ** Members applying jointly can combine their accounts to determine the discount they qualify for. |
Auto loan rates
| Vehicle Model Year | Loan Term1,2Up to 36 Monthly Payments | Loan Term1,248 Monthly Payments | Loan Term1,260 Monthly Payments | Loan Term1,272 Monthly Payments |
|---|---|---|---|---|
| 2019-2023 | APR as low as 6.24% | APR as low as 6.49% | APR as low as 6.74% | APR as low as 6.99% |
| 2013-2018 | APR as low as 6.99% | APR as low as 7.24% | APR as low as 7.49% | APR as low as 7.74% |
| 2012 and Older | APR as low as 8.24% | Not Available | Not Available | Not Available |
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 6.24% that closes on April 3, 2023 will have 34 payments of $650.09 beginning on July 3, 2023. For new or used consumer auto (cars and trucks) loans on purchases or refinances of current TCU 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 May 1, 2023 and assume excellent credit history and automatic payment from a Thrivent 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:
2019-2023
A $20,000 auto loan with a simple interest rate of 6.24% and a corresponding APR of 6.24% for 36 months equates to a monthly principal and interest payment of $610.62
A $20,000 auto loan with a simple interest rate of 6.49% and a corresponding APR of 6.49% for 48 months equates to a monthly principal and interest payment of $474.21
A $20,000 auto loan with a simple interest rate of 6.74% and a corresponding APR of 6.74% for 60 months equates to a monthly principal and interest payment of $393.58
A $20,000 auto loan with a simple interest rate of 6.99% and a corresponding APR of 6.99% for 72 months equates to a monthly principal and interest payment of $340.88
2013-2018
A $20,000 auto loan with a simple interest rate of 6.99% and a corresponding APR of 6.99% for 36 months equates to a monthly principal and interest payment of $617.45
A $20,000 auto loan with a simple interest rate of 7.24% and a corresponding APR of 7.24% for 48 months equates to a monthly principal and interest payment of $481.15
A $20,000 auto loan with a simple interest rate of 7.49% and a corresponding APR of 7.49% for 60 months equates to a monthly principal and interest payment of $400.66
A $20,000 auto loan with a simple interest rate of 7.74% and a corresponding APR of 7.74% for 72 months equates to a monthly principal and interest payment of $348.13
2012 and Older
A $20,000 auto loan with a simple interest rate of 8.24% and a corresponding APR of 8.24% for 36 months equates to a monthly principal and interest payment of $628.94