Auto Loans

Get a low rate and cash back with a SECU auto loan!

Right now you can get a new or used auto loan for as little as 1.99% APR for up to 72 months* and we'll give you 1% of your loan amount back when you use a SECU Auto Check**. Just complete our online loan application and request to close your loan at a SECU branch.  

Our Auto Check is a blank check we give you to take to the dealer. 


Once you've agreed on the purchase price, simply fill it out and sign like a regular check. You can even include charges for taxes, title and tags.

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Compare Rates

Loan TypeSECU's RateMaryland Bank AverageSECU Beats The Average By:
New Car / Truck (60 MO)1.99%3.51%76%
New Car / Truck (48 MO)1.99%3.49%75%
Used Car / Truck (48 MO)2.24%3.86%72%


^Data is supplied by Datatrac Inc. as of 3/26/2015.

Rate shown is the average for the 10 largest banks in Maryland for A+ credit 80% loan to value for new customers without any other relationship to the bank. Actual rates may be different.


Buying Advice

SECU's Know Money? Car Buying Guide will help you answer key questions and potentially save you thousand of dollars. The guide includes valuable insights on:  

Check out all the Know Money? Buying Guides. 



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*APR=Annual Percentage Rate. This page is updated regularly. The auto loan rate listed is the best rate on a new car purchase up to 72 months for A+ members, and reflects the discount for a direct loan payment from a SECU checking account. Your actual rate may be higher and may vary based on term, application and credit history. Subject to credit approval. Certain restrictions apply and rates are subject to change without notice.


**1.00% Cash Back offer is valid for automobile loans only. To receive the bonus, a qualifying auto loan must be taken via an Auto Check for an auto purchased from a dealer and must be opened by March 31, 2015. The 1% bonus will be fulfilled within 60 days of loan closing via a deposit into the member’s share savings account. The bonus amount will be calculated as 1.00% of the total amount financed. Bonus is considered interest and will be reported on IRS form 1099-INT. This offer is non-transferable. Applicant must qualify for and establish membership at SECU and be of legal contract age to apply for an auto loan. Member must be in good standing to receive the bonus. SECU rules and regulations apply. SECU reserves the right to withdraw or change this offer at any time. Ask us for details.