FOCUS Credit Union can help take the hassle out of buying a car, truck, SUV, or motorcycle.  From brand new vehicles to ones up to 10 years old, we can help you drive away with great financing today. 

  • New vehicle loan rates starting at 4.49% APR*
  • Used vehicle loan rates starting at 4.99% APR*
  • Up to 72-month repayment term
  • Fast approvals
  • No pre-payment penalties
  • Friendly, local service you know and trust

FOCUS CU offers the more than just the loan and can help you protect your family and your investment with credit life insurance, credit disability insurance, and GAP coverage all available.  Mechanical repair coverage is also available for cars, trucks and motorcycles. We offer all of this with competitive interest rates, so you get the most out of your FOCUS CU vehicle loan.

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Get Your Auto Loan Pre-Approved before You Get Shopping

Shopping for new or used vehicles, the best way to begin is by being pre-approved for your loan. Use the handy calculators on our Financial Calculators page to see what amount fits comfortably into your financial picture. With your loan amount and term already in mind, you negotiate from the same position as a cash buyer. No more wondering what terms a dealer might dangle—you know what you are ready to spend, and how it will affect your budget. 


So, apply online or stop by today to get the best rates and terms for your car, truck, or motorcycle. Whether it’s new or used, you will get the same great support from FOCUS Credit Union.

Current Rates

Green Light 1st Auto Loan

FOCUS Credit Union wants to help first time car buyers learn to borrow wisely. A special loan is available for you. With a parent or guardian cosigner, FOCUS CU will charge 1/2 of the stated loan rate for a Green Light 1st Auto Loan. This means you will be able to get a 50% cheaper interest rate than Mom and Dad!
Stop by one of our convenient locations today to ask about how you can qualify and get on the road to a successful financial future. 

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Why Choose FOCUS Credit Union?

At FOCUS CU, we believe in more than transactions—we believe in people. As your local, member-owned credit union, we’re proud to offer:

  • Personal service that puts your needs first
  • Convenient online and mobile banking tools
  • A community-focused approach that keeps your goals at the heart of everything we do

*APR = Annual Percentage Rate. Rate and offer subject to change at any time without notice. Membership required. Qualifications apply.