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Auto Loans/Rates

Are you in the market to purchase a new or used vehicle? With some of the most competitive credit union auto loan rates in Colorado, EFCU can help you with your purchase. Simply call us at 303.428.5080 or toll-free at 1.888.428.5080 and ask to speak with a loan representative or you can apply online by clicking on the link below. Your credit score will determine your rate, maximum loan amount, loan-to-value and term. We also offer loans on various recreational vehicles, such as RV's, boats, ATVs and motorcycles! 
Apply for a Loan

Make sure to also inquire about Automotive Avenues! Automotive Avenues is Denver's largest credit union endorsed dealership - a level of trust they have earned by providing extraordinary service and pricing - far beyond that of a typical car dealership. Call and speak with our Automotive Avenues consultant, Jon Smarr today by calling or texting 303-750-5000.  You can also call or email Jon directly at:
Phone: 303-231-2644
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 Current rates (APR)* and terms on new and used vehicles-
 (Rates quoted as of 06/01/2019 with approved credit/APR= Annual Percentage Rate):
 To find out more about your credit report or to get a free annual credit report: Click Here!



Up to 24 Months*


36 Months*


48 Months*


60 Months*


72 Months*


84 Months*


 96-120 months (RV/Trailers $30K+ only; A+, A and B Credit)



*Motorcycles, ATVs, UTVs, personal watercraft and snowmobiles will receive a 2.00% higher APR for all terms and scores  

*Vehicles which are older than 7 years (2012) will receive a rate that is 1.00% higher than stated above.

*All loans are subject to credit approval, and final rate may vary based on several factors, including personal credit history, term of loan and year of vehicle. Advertised rates are subject to change without notice. Verification of income may be required. Must be 18 years of age to qualify for a loan.

*Membership at Electrical Credit Union is required to participate with a minimum share/savings balance of $25.00. 



 TruStage™ Auto Insurance Program

Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven't compared auto insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStage™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

You could save up to $509 on car insurance. Get a quote. TruStage Insurance Agency

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Disclosures  /  Privacy Policy  / Newsletter / Routing Number: 302075416  / NMLS #: 1028973 
Electrical Federal Credit Union • 5080 W 60th Avenue, Arvada, CO  80003
    Phone: 303.428.5080 • Toll-Free: 1.888.428.5080
Main Email Address: memberservices@electricalfcu.org  
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NCUAEqual Housing Lender
             Federally Insured by NCUA           An Equal Housing Lender
Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
 National Credit Union Administration, a U.S. Government Agency.
APY = Annual Percentage Yield | APR = Annual Percentage Rate
*Rates are based on an evaluation of credit history, so your rate may differ. 
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