Vehicle Loans

In the market for a new or used vehicle? Looking to refinance to a lower rate and/or payment? We offer some of the lowest rates around. See our great rate award for our auto loan rates to the right of the page.

We can help make buying a new or used vehicle more affordable. Our low rates and extended terms will help you tailor a loan to fit your budget. Plus, we will process your loan request quickly!

Beat Your Rate By 1% or More...

*APR=Annual Percentage Rate and is based on evaluation of applicant’s credit.USPS FCU will beat the rate from another financial institution by at least 1% Annual Percentage Rate (APR) with a special floor rate of 1.49% APR. Offer valid through 3/31/2015. Typical Interest Rates range from 1.49% to 15.49% APR. Promotional rates from other lenders do not qualify. Must provide verification of rate you have been offered from another financial institution. Minimum amount financed must be $10,000. Financing term must be 84 months or less. Offer does not apply to loans currently financed with USPS FCU. Rate must be for a similar product and term. Relationship Rewards and Free Access to Cash program rate discounts cannot be combined with this offer. Loans subject to credit approval. Other terms and conditions may apply. Other restrictions may apply.

New & Used Vehicle Loans

  • Low Rates
  • Terms up to 84 months
  • New Vehicles: Up to 125% financing of total purchase price
  • Used Vehicles: Up to 125% of the used car guide retail value

Refinance New & Used Vehicle Loan From Another Lender

  • Low Rates
  • Terms up to 84 months
  • New Vehicles: Up to 125% financing of total purchase price
  • Used Vehicles: Up to 125% of the used car guide retail value
Contact the Credit Union for more information and receive a rate and monthly payment quote.
Be sure to check out our resources for Buying a Car before you make your next purchase!

GAP Auto Insurance Coverage

Frost Financial Services is a voluntary program we offer for your new or used vehicle loan. This financial protection may cover the difference in the balance on a car and its declared value in the event that it is damaged beyond repair or stolen and never recovered.

No matter how terrific a car is, the minute you drive it out of the showroom it is worth less. Depending on where you live, the established market value could be less than the actual balance you owe on your car. With Frost Financial Services, if your car is a total loss, most or all of your deficiency may be covered. That includes the difference between the market value of the car and the loan balance, less delinquent payment, late charges, refundable warranties, and other coverage related charges. It will also cover the deductible up to $1,000 if a deficiency exists.

When you are applying for your auto loan, ask about GAP Protection.

If you have questions, please call us. We'll be glad to explain. This is a no-brainer coverage that beats dealer's prices.

Recreational Vehicle Loans

(Boats, Motorcycles, Motor Homes & Travel Trailers)
  • Low Rates
  • Terms up to 84 months
  • New RV: Up to 100% financing of total purchase price
  • Used RV: Up to 100% of the used car guide retail value

Providing Proof of Auto Insurance?

USPS FCU requires proof of insurance on all auto loans. If you still need to provide proof of insurance, choose one of the following ways:

  • Call or have your agent call 1-800-523-6404
  • Visit our verification website at
  • Fax a copy of your insurance policy to us at 1-800-713-0262

Please be sure your insurance agent has listed the Credit Union as the lien holder, and has the Credit Union address as:


U. S. Postal Service FCU
7905 Malcolm Rd., Suite 311
Clinton, MD 20735


We can also save you money on auto insurance. Find out more today!

Auto Buying Member Connection

1. Pre-Approvals For Your Loan

Before financing a new or used vehicle with a bank or dealer, contact USPS FCU at (301) 856-5000 or 1-800-877-7328. We can pre-approve your loan which may give you additional negotiating power to purchase the vehicle at the best price. Take the rebate offer if there is one and finance your vehicle with USPS FCU.

2. Free Car Buying Tools

Member Showroom - A New Way To Buy A Car

The Member Showroom is our online car buying service whether you are shopping for a new or used vehicle. Click here for more information.

United Buying Service (UBS) offers low prices and excellent service to Credit Union members in MD, VA, and DC. Looking for a new vehicle? Click here for more information.

Autoland Credit Union Buying Service is offered to members in 17 states including CA and NV. See their website for a complete list. They negotiate the purchase or lease of new or used vehicles and they have a vehicle purchase program. Click here for more information.
Enterprise not only rents vehicles, they also sell affordable used vehicles to Credit Union members at great prices. Click here to learn about the current Enterprise promotion for Credit Union members.
How used is that used car? We recommend using CARFAX to help you find out before you buy.
Extended Service contracts available through Auto Exam at special Credit Union prices.

3. Negotiate The Best Deal

Now that you have your research and pre-approval, all that's left is to get the best deal. Give us a call if you need help along the way!

Receive a discount when you book your next vehicle rental online!*

Alamo® Get to the fun faster.
Get up to 25% off your rental and receive additional coupons to save even more. With self-serve check-in you can skip the counter, check-in at the kiosk and drive away. It’s that easy. Click to get started!

National Car Rental® You drive a hard bargain.
Save up to 25% and get additional coupons for your next rental. And, with the Emerald Club®, you can bypass the counter and choose your own car. Click to get started!

*Discounts on rentals are for orders booked online only by clicking on the Alamo and National Car Rental hyperlinks.

Auto Loan Rates Certified by Datatrac