Auto Refinance

Same Wheels. Better Deals. Bigger Savings.
Car ownership should feel good — including the financial part. Same Wheels Better Deals is our refinancing program built to help you save money, lower your rate and keep you loving the ride you already have.

Refinance & Get:

  • Lower your current rate1
  • $100 cash back when you refinance $10,000 or more2
  • 90 days until your first payment
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More Ways to Protect Your Ride

We’re here to make your car ownership experience as smooth and stress‑free as possible. Along with great refinancing rates, you can add valuable protection and flexible payment options:

Man enjoying new car

Drive the Car You Love for Less

A high interest rate shouldn’t hold you back. Refinance with Campus Federal and enjoy a better deal, more protection and payment flexibility that fits your life

TermAPR As Low As
245.99%
365.99%
485.99%
605.99%
726.29%
786.49%
846.64%
907.14%

Offer is subject to membership and credit approval. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. Loan rates reflect an evaluation of credit history, so your rate may differ. For example, a monthly payment for an auto loan for $20,000 for 60 months at 6.74% APR (Annual Percentage Rate) could be as low as $393.58. The rates will not increase after consummation of the loan. 90 month term subject to a minimum loan amount of $60,000.

Loan Calculator

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This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. the calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. Hypothetical illustrations may provide historical or current performance information.

Loan Payoff Calculator

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. the calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. Hypothetical illustrations may provide historical or current performance information.
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Calculator

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MONTHS

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Your New Monthly Payment Will Be $XXX.XX Lower By Refinancing Your Loan

Your New Monthly Payment Will Be $XXX.XX

Your Loan Will Be Paid Off In Month XXXX

Your Total Interest Paid On Your Current Loan Will Be $XX,XXX.XX

Your Total Interest Paid On Your New Loan Will Be $XX,XXX.XX

Your Total Payment Amount For The Life Of The Loan Will Be $XX,XXX.XX

Your Total Savings From Refinancing Will Be $XX,XXX.XX

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. the calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. Hypothetical illustrations may provide historical or current performance information.

For example, a monthly payment for an auto loan for $20,000 for 60 months at 6.74% APR (Annual Percentage Rate) could be as low as $393.58. Rates reflect a .25% discount for auto-debit payments from a CFCU account. Terms for model years valid until December 31, 2025. 

1Minimum Annual Percentage Rate (APR) based on current minimum rate. Offer subject to credit and collateral approval. Not available for existing Campus Federal loans. Cash back paid into existing share account after loan closing. Interest continues to accrue during first 90 days. Terms and conditions apply including membership eligibility. For example, a monthly payment for an auto loan for $20,000 for 60 months at 5.74% APR could be as low as $384.24. Rate reflects a .25% discount for auto-debit payments from a CFCU account. Terms for model years valid until December 31, 2025.

2 Minimum loan amount is $10,000 for $100 cash bonus.

3Campus Federal Checking Account required for Bill Pay.