Find, Finance / Refinance

Find Your Vehicle

Visit Member Auto Center to browse New & Used vehicles, find preferred dealers and get car buying advice.

Finance Your Vehicle

  • Flexible Terms up to 72 Months
  • Competitive Loan Rates
  • 100% Financing Available
  • GAP & Warranties Available
  • Credit Life & Disablility Protection Available

Refinance Your Vehicle

Want to lower your monthly payment or move your loan? If you financed with a dealer or another lender, we may be able to help!

Interested in leasing a vehicle?

Cy-Fair FCU has partnered with FairLease, a credit union owned company that follows the credit union philosophy of serving people, meeting their needs and providing the best product at a reasonable price. Benefits include no cash down required at signing and higher mileage limits.



Covers the difference between the insurance settlement amount and the outstanding loan balance if your vehicle is totaled or stolen.3


With CU Certified Automotive, you receive an extended warranty similar to dealer and manufacturer plans, for significantly less money. 3


Excellent coverage with 24/7 claims service and roadside assistance at an affordable price through our state partnership with TruStage. TM

Credit Life
& Disability

Give your family peace of mind. CL&D alleviates concerns of financial strain by helping cover payments as a result of disability or death.


Need a break from your monthly payment?
Members are eligible to apply up to twice a year. You must have at least sixty (60) days and two (2) monthly payments between each skip. To skip a month’s payment, your due date will be advanced by one month. All skip-a-payments are subject to approval. For consideration, contact a Cy-Fair FCU representative or fill out our online form. A $25 fee will be assessed to process the Skip-A-Payment request.


  • Auto Loan Rates

    Loan Type Term Annual Percentage Rate (APR*)
    New Auto

    Current or future model year with less than 12,000 miles *Minimum Finance amount for 72 months $20,000

    Up To 36 Months 3.00% - 14.00%
    Up To 48 Months 3.25% - 14.29%
    Up To 60 Months 3.50% - 14.50%
    Up To 72 Months 3.75% - 15.00%
    Used & Refinanced Auto
    (Up to Retail on NADA)

    2010 - 2017 Year Autos
    *Minimum Finance amount for 72 months $20,000

    Up To 36 Months 3.30% - 14.30%
    Up To 48 Months 3.40% - 14.44%
    Up To 60 Months 3.50% - 14.50%
    Up To 72 Months 3.90% - 15.15%
  • Loan Calculator

  • Resources

    Auto Search

    Need help finding the right car? Search smart. Start here!

    Browse New and Used vehicles, find preferred dealers and get car buying advice.

*APR is Annual Percentage Rate. Loans subject to approval. Rates are determined by an evaluation of applicant credit and may vary. Example payment on a $25,000 loan at 4.0% APR for 60 months is $460.42 a month. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. CFFCU is an Equal Credit Opportunity Lender. Other terms and conditions may apply. Speak to a Financial Service Representative for additional information..

2 Deductible coverage is available in most, but not all states. Please consult your financing presentative for more information. For a complete list of benefits and rules, see the GAP Waiver Election form. The purchase of GAP is voluntary and not required as a condition of loan approval. GAP is a loan/lease deficiency waiver and is not offered as insurance coverage. Applies only to collateral financed by Cy-Fair FCU. A fee applies. Please contact Cy-Fair FCU for more information. Cy-Fair FCU does not warrant, guarantee or insure any service or product offered by any insurance companies. Cy-Fair FCU and insurance companies are separate entities.  

3 Extended Warranty (EW) is not an insurance product. For a complete list of terms and provisions see the MIC Automotive Premium Value Protection Plan Agreement available at any branch. The purchase of an EW is voluntary and not required as a condition of loan approval. Enrollment fees apply. EW services are (1) not federally insured (2) not obligations of the credit union and (3) not guaranteed by the credit union or any affiliated entity. Please contact Cy-Fair FCU for more details.