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Looking for competitive rates on your new or used auto loan? Look no further than Securityplus Federal Credit Union! With rates as low as 5.99% APR*, we can often beat dealer financing on new and used SUVs, cars, trucks, and vans. Not only will you save money, but our hassle-free car-buying experience will make your life easier. Our online application process is quick and straightforward, and our loan specialists are always here to help you along the way. Apply online and enjoy a hassle-free car-buying experience.

Get reliable financing and rates as low as 5.99% for new SUVs, cars, trucks and vans. Take advantage of our Preapproval ProgramOpens in New Window so you can negotiate with buying power.

Limited Time Offer: Get $300 Cash Bonus with Securityplus Federal Credit Union!

Securityplus Federal Credit Union is offering a $300 Cash Bonus to members who finance a vehicle loan directly with the Credit Union (loans closed with a Securityplus team member) between July 1, 2023, and October 31, 2023. This promotional offer applies to auto loans, recreational vehicle (RV) loans, boat loans, and motorcycle loans but does not include indirect dealer vehicle financing (loans closed at a dealership). Eligible members will receive the $300 cash bonus deposited into their share savings account after 90 days but before 120 days from the date of loan origination, provided the loan remains open, current, and not past due at the time of the cash bonus payout. The Credit Union reserves the right to modify, extend, or terminate this offer at any time without prior notice, and members are responsible for any applicable taxes related to the cash bonus. Membership eligibility is required. 


Get a .25% Rate Discount

Set up automatic payments from your Securityplus Checking Account and get a .25% APR* discount on your loan! You also can setup payments from another financial institution by submitting an ACH Authorization FormOpens in New Window — that will earn you a .25% rate discount as well.

 

Need help before you shop?

We have programs available designed to help you determine how much vehicle you can afford and which type of loan will best meet your needs. Contact us today and we'll be glad to assist you.

Get reliable financing and competitive rates for used cars, trucks and vans. Apply before you shop — our Preapproval ProgramOpens in New Window will help you negotiate with buying power.

Limited Time Offer: Get $300 Cash Bonus with Securityplus Federal Credit Union!

Securityplus Federal Credit Union is offering a $300 Cash Bonus to members who finance a vehicle loan directly with the Credit Union (loans closed with a Securityplus team member) between July 1, 2023, and October 31, 2023. This promotional offer applies to auto loans, recreational vehicle (RV) loans, boat loans, and motorcycle loans but does not include indirect dealer vehicle financing (loans closed at a dealership). Eligible members will receive the $300 cash bonus deposited into their share savings account after 90 days but before 120 days from the date of loan origination, provided the loan remains open, current, and not past due at the time of the cash bonus payout. The Credit Union reserves the right to modify, extend, or terminate this offer at any time without prior notice, and members are responsible for any applicable taxes related to the cash bonus. Membership eligibility is required. 


Get a .25% Rate Discount

Set up automatic payments from your Securityplus Checking Account and get a .25% APR* discount on your loan! You also can setup payments from another financial institution by submitting an ACH Authorization FormOpens in New Window — that will earn you a .25% rate discount as well.

 

Need help before you shop?

We have program available designed to help you determine how much vehicle you can afford and which type of loan will best meet your needs. Contact us today and we'll be glad to assist you.

New Auto Loan Rates
Effective Sep 30, 2023
Description Term APR* as low as
New Auto and Truck Purchase/Refinance up to 36 mo 5.99%
New Auto and Truck Purchase/Refinance 37-60 mo 6.99%
New Auto and Truck Purchase/Refinance 61-72 mo 8.24%
New Auto and Truck Purchase/Refinance 73-84 mo 9.24%
*APR=Annual Percentage Rate. Rates subject to change without prior notice. Rate shown reflects a 0.25% discount for automatic loan repayment. Refinancing not available for existing Securityplus loans. Rates may vary based on term, application and applicant''s credit history; your rate could be higher.

Used Auto Loan Rates
Effective Sep 30, 2023
Description Term APR* as low as
Used Auto and Truck Purchase/Refinance up to 36 mo 6.24%
Used Auto and Truck Purchase/Refinance 37-60 mo 7.24%
Used Auto and Truck Purchase/Refinance 61-72 mo 8.49%
Used Auto and Truck Purchase/Refinance 73-84 mo 9.49%
*APR=Annual Percentage Rate. Rates subject to change without prior notice. Rate shown reflects a 0.25% discount for automatic loan repayment. Refinancing not available for existing Securityplus loans. Rates may vary based on term, application and applicant''s credit history; your rate could be higher.

Securityplus Auto Buying Service

Shop for your next vehicle from the comfort of you home with the Securityplus Auto Buying Service. Work with our Preferred Dealer Partners to help you find your next vehicle.

Tiffany F.Owings Mills Branch
Employee
great employee

"Easy and Seamless!"

"The car buying process in itself is stressful. But Securityplus made the car buying process easy and seamless and I don’t think I have ever been in and out of a bank so fast. The process was definitely the highlight of my car buying experience.”

— Monique W., Securityplus Member

Find out more about Credit Union Membership

Guaranteed Auto Protection

GAP (Guaranteed Auto Protection) eliminates the out-of-pocket expenses you would incur to pay off your loan or lease should your vehicle be stolen or totaled. Securityplus offers GAP coverage for a nominal fee.

How GAP works:

  • Covers up to 150% of MSRP or NADA retail values
  • Covers losses up to $50,000
  • Pays comprehensive and collision deductibles of up to $1,000
  • Is available for loans with terms up to 84 months
  • Pays claims within 48 hours of receipt

For more information on GAP coverage, contact us.

Skip-A-Pay

When you need a little extra cash, you can skip up to two non-consecutive monthly payments within a 12-month period on qualifying Credit Union loans. To qualify, your loan must be open for at least three months, and all your Credit Union accounts must be in good standing.Find out more.

*APR=Annual Percentage Rate.

Get Preapproved Today!
 
Have questions? Contact Us
 

Join Securityplus Today

Becoming a member of our Credit Union is easy! It only takes a few minutes to apply and make the $5.00 minimum deposit to open your Share Savings account. Benefit from lower lending rates, higher dividend rates, fewer or lower fees, and more!

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