90 Day No Pay Auto Loan Special
Ride into the new year with no payments for 90 days when you purchase or refinance an auto with City FCU! Say goodbye to the post-holiday blues and lighten your financial load by taking advantage of this limited-time Auto Loan Special. With rates as low as 4.74% APR, you’ll benefit from lower payments and reduced interest charges.
*Offer valid 1/1/26 through 3/31/26. No payments for 90 days on auto purchase and external refinance. Interest will continue to accrue. Rates vary by credit, collateral and term.
Get from point A to point B, and everywhere in between, for less! Whether you’re purchasing a new (or new-to-you) vehicle, or looking to refinance your loan from another lender to save on interest and monthly payments; you can count on City FCU. Plus, save even more with our Go Green discount. Get a 0.50% rate reduction on an electric vehicle, or a 0.25% reduction on a hybrid vehicle.
We offer competitive low rates and flexible repayment terms, up to 84 months, so you can drive a quality, reliable car while staying within your budget. With our GAP Coverage and Extended Warranty plans, you can protect your vehicle and your wallet from loss and unexpected repairs.
Low Rates
Flexible Terms
GAP Coverage
Extended Warranty
Loan Protection
GAP Coverage
Guaranteed Asset Protection, or GAP, is an optional, non-insurance coverage that protects you financially if your car is damaged beyond repair or stolen and never recovered. It is a supplemental benefit that enhances, rather than replaces, your standard comprehensive, collision, or liability coverage. GAP waives the difference between your primary insurance carrier’s settlement and the payoff of your loan.* In other words, it protects the “gap” between your vehicle’s value and the amount you still owe on your loan. GAP may also cover up to $1,000 of the borrower’s deductible if there is a shortfall after the primary insurance settlement is paid.
Ask your Loan Officer about adding GAP Coverage to your vehicle loan.
*Subject to limitations and exclusions including a maximum loan-to-value limitation which may cap the benefit you receive
Extended Warranty
City FCU has partnered with Route 66 to offer three levels of protection against costly expenses that could hurt your wallet. Purchasing Route 66 Extended Warranty before your manufacturer’s warranty expires can provide you with uninterrupted protection for your vehicle. In the event that your car is deemed a total loss by the insurance company, we will reimburse you for the full original premium of your service agreement.
- Options from Drivetrain coverage to comprehensive factory-type protection
- Zero deductible
- Nationwide coverage
- 24/7/365 emergency roadside service
- Rental car reimbursement
- Transferable
Ask your Loan Officer about adding Extended Warranty coverage to your loan.