Affordable Financing for Wherever Life Takes You
Whether you're buying new, used, or looking to refinance your current auto loan, RT Federal Credit Union is here to put you in the driver’s seat—with financing that works for you.
We offer competitive low rates, flexible terms, and a simple application process to help you get the vehicle you need, with a payment that fits your budget.
What We Offer:
- Financing for new and "new to you" used vehicles
- Refinancing options to save you money
- Pre-approvals for better buying power
- Local decision-making and personal service
Why Finance with RTFCU?
At RT Federal Credit Union, we know your time is valuable. That’s why our loan process is quick, straightforward, and supported by real people who care. We work with you one-on-one to help you understand your options and choose the right loan for your situation.
Financing Options:
Conventional Loans CruzeControl Loan (Lease Alternative)
- Terms up to 84 months
- Payment frequency options
- Built in seasonal skips available
- Payroll Deduction
- Auto insurance available with credit union discount with Liberty Mutual
- Autopay from checking or savings
- Finance up to 125% of the MSRP for new or used with GAP insurance
- Optional GAP Insurance & Life and Disability Protection is available
- Mechanical Repair Coverage
- Lower Monthly Payments
- Titled in your name
- Vehicles up to 5 years old
- Terms up to 72 months
- Options to Sell, Trade, Refinance, or Payoff at any time
- No early termination fees
- Return Vehicle at Loan Maturity and simply "walk-away"
- Annual mileage options of 7,500, 10,000, 12,000, 15,000, & 18,000
- Mechanical Repair Coverage
What is a CruzeControl Auto Loan?
How would you like to finance your vehicle with a program that combines the best features of a conventional loan with the benefits of leasing? CruzeControl offers low monthly payments similar to a lease, plus the best part of conventional financing – actually owning the vehicle.
RT Federal Credit Union has the vehicle financing option to best fit your needs! The low monthly payments that CruzeControl allows for, gives you more vehicle for your money. CruzeControl is the vehicle financing option you’ve been waiting for.
Want to find out how low your CruzeControl payment could be? Click here to go to the Calculator where you can build your car from the comfort of your own home. For more information about CruzeControl, call or visit today.
The Car YOU WANT with a Lower Monthly Payment
2023 Chevrolet TRAILBLAZER AWD 4dr Wgn LT
Amount Financed: $22,620
Interest Rate: 6.99% Conventional | 7.99% CU Program
Current Odometer: 30,000 - 33,000
| Term |
Conventional Payment |
CruzeControl
Payment | GFV* |
Payment Savings |
| 36 |
$698 |
$402 | $12,786 |
42% |
| 48 |
$541 |
$381 | $9,990 |
30% |
| 60 |
$447 |
$360 | $7,593 |
19%
|
Guaranteed Future Value* is the amount your car is gauranteed to be worth at the end of your loan term, as long as you follow the mileage and condition guidlines.
We set a gauranteed value for your car upfront. This is what we promise the vehicle will be worth at the end of the loan. Because of that gauranteed value, your monthly payments are lower. You're only financing the portion of the car you actually use durring the loan term, not the entire cost!
At the end of the term, you get three choices:
- Keep the Car - Pay the remaining guaranteed future value (like a balloon amount) OR refinance it!
- Trade it in - Use any equity toward your next vehcle.
- Return it - Bring it back to us and walk away, as long as it meets mileage/condition guidelines.
Disclaimer: This visual is for informational purposed only and does not reflect actual rates, payments, or gauranteed future values. All figures are examples and should not be relied upon for final dicisions. Please contact us for accurate and current loan information OR try out the loan calculator below!Check Rates