Auto Loans

Apply Today | Rates



  1. Rates As Low As 2.24% APR1
    For a limited time, our auto loan rates have been reduced by 0.25% on all auto loan term limits. This means our rates are starting as low as 2.24% APR!

  2. New 78-month term auto loan, as low as 3.25% APR1
    (for loan amounts over $40,000)
    We have also temporarily added a new 78-month term that starts as low as 3.25% APR to make financing amounts above $40,000 more affordable!

On New or Used Vehicle Loans/Refinance Loans


1APR is Annual Percentage Rate. Loans subject to credit approval. Rates are determined by an evaluation of applicant credit and may vary. Other rate discounts cannot be applied with this auto loan promotion discount. Minimum finance amount for the 78-month term auto loan is $40,000. Example payment on a $40,000 loan at 3.25% APR for 78 months is $569.58 a month. CFFCU is an Equal Credit Opportunity Lender. Other terms and conditions may apply. Speak to a Financial Service Representative for additional information. Offer ends June 30th.


Mechanical breakdown protection: Provide an extended warranty similiar to dealer and manufacturer plans, for significantly less money*.

Multi-shield protection: Offers emergency roadside assistance and comprehensive repari or replacement of tires, wheels, doors, and the windshield.

Guaranteed Asset Protection (GAP): Covers the difference between the insurance settlement amount and the outstanding loan balance, if your vehicle is involved in a total loss claim, due to an "at fault" or "not at fault" accident, theft or flood.**


Vehicle Leasing 

Interested in leasing a vehicle? Cy-Fair has partnered with FairLease. FairLease is a credit union owned company that follows a credit union philosophy of serving people, meeting their needs and providing the best product at a reasonable price.

Why lease with FairLease?

  • No cash down required at signing

  • Lower monthly payment 

  • Mileage for Leasing vs. Buying

  • Depreciation Risk factors

  • More car for the money 


*Extended Warranty (EW) is provided by Mercury Insurance Group (MIC) and 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 creit union and (3) not guaranteed by the credit unioin or any affiliated entity. Please contact Cy-Fair FCU for more details. 
**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, seee 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 seperate entitites. 


Find a Car | Click Here