Vehicle Loan Rates

Rates effective 01/21/2026

The Following Rate Discounts are Available!
Rates will be discounted ¼% with an active Secure Checking account or Silver Express account. Excludes all auto GPS loans. Get a 1% rate discount on your qualifying loan rate when you purchase a car from Enterprise and fund with F3CU!

Loan TypesRates as low as (APR)Maximum Limits
New Auto
24 – 60 Months4.99%125% of MSRP
61 – 72 Months4.99%125% of MSRP
73 – 84 Months4.99%125% of MSRP
New Auto GPS Loan
up to 60 Months18.49%75% of MSRP
Maximum $25,000
Used Auto (last 8 model years)
24 – 60 Months5.24%120% of high book
and <150k miles
61 – 72 Months5.24%120% of high book
and <150k miles
73 – 84 Months5.24%120% of high book
and <150k miles
Used Auto (8 to 20 model years and under 250k miles)
60 Months7.24%90% of high book
Used Auto GPS (last 8 model years)
60 Months18.49%75% of high Book
Maximum $15,000 and <150K miles
Kickstart New Auto
up to 72 Months3.99%125% of MSRP Maximum $30,000
Kickstart Used Auto
up to 72 Months (last 8 model years) 5.99%120% of high book Maximum $30,000 and <150k miles
up to 60 Months (8 to 20 model years and under 250k miles)7.99%90% of high book
New Motorhomes
240 Months8.99%125% of MSRP
Used Motorhomes (last 8 model years)
240 Months9.99%120% of high book
and <150k miles
New Travel Trailer
240 Months8.99%125% of MSRP
Used Travel Trailer (last 8 model years)
240 Months9.99%120% of high book
and <150k miles
New Motorcycle
72 Months6.99%125% of MSRP
Used Motorcycle (last 8 model years)
72 Months7.24%120% of high book
Used Motorcycle (older than 8 model years, max 15 years)
60 Months8.00%90% of high book

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