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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.

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

All loans and lines of credit are subject to credit application, qualification and approval. Must qualify for membership.

Auto loan rates

Model years APR as low as (%) APR with Autopay as low as2 (%) Term (Months)
2016 – 2021 3.24 2.74 36
(up to 72-month term available)
2010 – 2015 3.99 3.49 36
(up to 72-month term available)
2009 & Older 5.24 4.74 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 2.74% that closes on June 23, 2020 will have 34 payments of $614.80 beginning on September 22, 2020. 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 Must set up autopay from a Thrivent Federal Credit Union Account.

Your rate is determined by your payment option, term and credit score.

Rates used in these examples are effective as of September 14, 2020 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:

2016 – 2021
A $20,000 auto loan with a simple interest rate of 2.74% and a corresponding APR of 2.74% for 36 months equates to a monthly principal and interest payment of $579.34.

2010 – 2015
A $20,000 auto loan with a simple interest rate of 3.49% and a corresponding APR of 3.49% for 36 months equates to a monthly principal and interest payment of $585.95.

2009 & Older
A $20,000 auto loan with a simple interest rate of 4.74% and a corresponding APR of 4.74% for 36 months equates to a monthly principal and interest payment of $597.09.