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Treasury Department Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 10 November 2023
Fact checked

Treasury Department Federal Credit Union auto loans overview

Treasury Department Federal Credit Union logo

The Treasury Department Federal Credit Union (TDFCU) is a full-service financial institution that was founded in 1935. TDFCU offers vehicle financing choices with low rates, flexible repayment plans, and attractive rate discounts. Plus, members can choose from a wide range of new and used vehicles, including cars, trucks, SUVs, motorcycles, boats, recreational vehicles, and watercraft.

Want to see what a TDFCU auto loan will cost? Try the Treasury Department Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Treasury Department Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: $200,000.
  • Interest rates: As low as 4.25% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Late fee.
  • Discounts: Discounted rates through Relationship Pricing.

TREASURY DEPARTMENT FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

TDFCU offers auto financing of up to 100% for new and pre-owned automobiles, trucks, and SUVs. Rates are as low as 4.25% APR for new vehicles and 4.99% APR for pre-owned vehicles. You can get up to 0.75% rate discounts by having a direct deposit, existing loan, and deposit balance of $5,000, too.

Motorcycle loans

You can also finance motorcycles for up to $75,000 for new and $50,000 for used models. New motorcycles begin at 7.49% APR, and used motorcycles start at 8.49% APR. Plus, you can make payments for up to 60 months for new models and 36 months for used ones.

Leisure vehicle loans

If you’re going on a fun adventure, you can opt for TDFCU’s leisure vehicle loans. You can finance new and pre-owned recreational vehicles, boats, and watercraft. Interest rates begin at 7.99% APR, and repayment terms can extend up to 120 months.

Treasury Department Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$25,000

Term

60 months

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Treasury Department Federal Credit Union

Treasury Department Federal Credit Union auto loan

Treasury Department Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Treasury Department Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Treasury Department Federal Credit Union auto loan

Eligibility criteria

Though TDFCU doesn’t disclose the requirements for vehicle financing, you usually need to meet the following:

  • 18 years old or older
  • A legal resident
  • A TDFCU member
  • Employed or have a dependable source of income

Moreover, the interest rates you qualify for are based on individual credit history. So, try to improve your credit score before you apply. This way, you can secure the best rates and terms and save more over the life of the loan.

How to join the Treasury Department Federal Credit Union

TDFCU is open to anyone who meets the following:

  • Employees of the U.S. Department of Treasury, Department of Homeland Security, U.S. Federal Courts, and U.S. Securities and Exchange Commission (SEC)
  • Employees of CDC National Center of Health Statistics and other select employee groups
  • People who live, work, worship, or attend school in Washington, DC
  • People who live, work, worship, or attend school in 313 census tracts inside the Capital Beltway
  • Family members of current member

What you’ll need to have ready

Personal details

When you apply for auto financing with the Treasury Department Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide TDFCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Besides preparing the documents, it will also help to have a grasp of the loan application process. By doing so, you can come prepared and have an easier car-buying experience.

Ways to apply for a TDFCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (800) 344-4497

Additional TDFCU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may take a day or more depending on your application.
  • Rate discounts: 0.25% to 0.75% rate reduction if you have a direct deposit, existing loan, and deposit balance of $5,000.
  • Repayment frequency: Monthly.
  • Late payment fees: $5 minimum or 20% of interest due.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, mobile banking, over the phone, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: 10 years.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • Flexible repayment terms.
  • Co-applicants allowed.
  • Up to 0.75% rate reduction through Relationship Pricing.
  • Up to 100% financing, including tags, taxes, processing fees, extended warranty, and GAP insurance.
  • Convenient online application.
  • Loans for different vehicle types – cars, trucks, SUVs, motorcycles, recreational vehicles, boats, and watercraft.

Cons

  • Membership required.
  • Late fee worth $5 minimum or 20% of interest due.
  • $50 refinance fee for vehicles financed by TDFCU.

FREQUENTLY ASKED QUESTIONS

Are Treasury Department Federal Credit Union car loan interest rates fixed or variable?

TDFCU’s vehicle loans come with low fixed interest rates.

How much interest does TDFCU charge on auto loans?

New auto loans start as low as 4.25% APR, while used auto loans begin at 4.99% APR.

What is the maximum term of a TDFCU vehicle loan?

The Treasury Department Federal Credit Union offers loans extending up to 84 months for new vehicles and up to 72 months for used vehicles.

Are there discounts available on Treasury Department Federal Credit Union car loans?

You may get rate discounts from 0.25% to 0.75% if you have a direct deposit, existing loan, and deposit balance of $5,000.

How much do I qualify for with a TDFCU vehicle loan?

The Treasury Department Federal Credit Union offers up to 100% financing. Remember though that all loans are subject to credit approval.

Will applying for an auto loan with TDFCU affect my credit score?

Because a loan application will require a hard credit check, it will appear on your credit report. So, this will temporarily lower your credit score. However, you can build your credit by paying your auto loan consistently.

How many pay slips does TDFCU require during my auto loan application?

While the Treasury Department Federal Credit Union doesn’t indicate the required documents, you usually need to prepare your 2 most recent pay stubs.

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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