Personal Loans
  • Auto Loans
  • Auto Buying Center
  • Consumer Loans
  • Credit Rebuilding Loans
  • Auto & Life Insurance
  • New & Used
  • Classic Vehicles
  • GAP Coverage
  • Indirect Dealers
  • Extended Warranty

Auto Loans (New & Used)

Are you ready to purchase a new car? We offer affordable and competitive financing options on both new and used automobiles. We also offer members with a MyGreenCFE checking account the opportunity to obtain a lower loan rate when they finance high fuel efficient vehicles!

  • Maximum term of the loan is up to 84 months, based on the amount financed and model year.
  • Maximum term for vehicles with over 100,000 miles is up to 48 months.
  • Financing is available up to 110% of the MSRP/NADA retail value or up to 100% of the purchase price, whichever is less.
  • Proof of insurance is required.
  • Extended vehicle warranty is available.
  • GAP coverage is available.
  • Payments can be made by mail, phone transfer, online banking, or at any branch location.
  • Payment protection products are available at the member's request.
  • Maximum term for vehicles 100,000 miles and over is 48 months.

Classic Vehicle Loans (over 25 years old)

Cash in on your dreams of owning a classic vehicle. We offer affordable and competitive financing options on used classic automobiles that are over 25 years old.

  • Maximum term of the loan is up to 84 months, based on the amount financed and the model year.
  • Financing is available up to 90% of appraised value or purchase price, whichever is less.
  • Extended vehicle warranty is available.
  • Proof of insurance is required.
  • Certified Appraisal by an independent licensed appraiser, other than the seller, is required.
  • GAP coverage is available.
  • Payments can be made by mail, phone transfer, online banking, or at any branch location.
  • Payment protection products are available at the member's request.

GAP (Guaranteed Asset Protection)

In the event of a total loss or theft of your vehicle, GAP pays the difference between the actual cash value and the remaining balance of the loan1, plus up to $1,000 of your auto insurance deductible. GAP is available for travel trailers, motor homes, motorcycles, jet skis, and boats. Cost is minimal and can be included in your loan payment.

1Certain restrictions apply.

Indirect Dealers

Are you auto shopping? Save time by getting pre-approved with us! You can now get financing at any of the participating indirect dealers listed below through our Indirect Dealer Program.

Once you’ve picked the perfect auto and have gotten the best deal, the dealer will complete the application and financing paperwork on the spot. If you visit the dealership after credit union hours, we’ll have your answer the next business morning.


Brands
 
Cities
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AutoNation Acura
1001 Rinehart Road
Sanford, FL 32771
407-680-0749
autonationacuranorthorlando.com


AutoNation Chevrolet Airport
5600 Lee Vista Boulevard
Orlando, FL 32812
866-311-0857
autonationchevroletairport.com


AutoNation Chevrolet West Colonial
3707 West Colonial Drive
Orlando, FL 32808
407-295-7000
autonationchevroletwestcolonial.com


Autonation Ford Sanford
4911 Wayside Drive
Sanford, FL 32771
407-680-0781
autonationford-sanford.com


AutoNation Honda
1000 Rinehart Road
Sanford, FL 32771
407-680-0782
autonationhondasanford.com

Related Links

Extended Warranty

Mechanical Breakdown Coverage

Maintain peace of mind when you purchase an extended warranty from us.

  • Cost can be included with your auto loan payment
  • Coverage is transferable
  • 24-hour claims line
  • 60-day money back guarantee
  • Includes repairs, towing and road service, car rental, and travel expense allowance

For additional information review the IWS Vehicle Service Agreement or call (800) 333-3028.

Roadside Assistance

Be prepared for unexpected roadside emergencies with our Maximum Assurance Plan (MAP). MAP is only available with our Extended Warranty.

  • 24-hour towing
  • 24-hour roadside assistance
  • 24-hour lockout service










  • Auto Buying Tools
  • Before You Shop
  • Smart Financing
  • Negotiate the Price
  • Protect Your Investment
  • Auto Buying Services
Auto Buying Tools

Thinking about buying a car? The process can be both exciting and challenging. It may be helpful to learn some valuable tips before purchasing a car. We'll walk you through the car buying experience so you'll be able to locate, price, negotiate, and purchase the car you want. Your car buying process should be fast and enjoyable. And we're here to make that process as helpful and simple as possible.

We want our members to steer clear of trouble and avoid common pitfalls when purchasing a car. Enjoy the satisfaction of knowing you're informed and that you got the right car at an excellent price.

Before You Shop

Be an informed buyer and know what to avoid when purchasing a new car. There is a wealth of automobile information currently available that can help you shop for a car, know the details about the car you want, and decide how much you should be paying for the car you choose.

Use the information below as tools to help make your car buying experience a positive one.

  • NADA Price Guide
    When shopping for a used vehicle, be prepared. Subscribe to a NADA price guide for all your vehicle valuation needs. Don't leave home without it.
  • CARFAX
    Don’t run the risk of buying a used car with costly hidden problems. Get a detailed vehicle history report from their nationwide database within seconds.
  • AutoBrag
    Take the guessing out of auto pricing. Use AutoBrag to search for the lowest prices available.
  • Edmunds
    Be empowered, engaged and educated about new and used autos. Get automobile pricing data, vehicle reviews, helpful feature articles and photographs for the car you’re researching on Edmunds.
  • Kelley Blue Book
    Use this trusted source for free, unbiased reports that can help you negotiate the best deal for your car sale or purchase.
  • Auto Check
    The best report to help you make a purchase decision.

Smart Financing

The ideal time to shop for a car loan is before you shop for a car. Knowing your borrowing options up front saves you money, and just as you want to get the best price on your car, you should also seek the best deal on your car loan. Deciding how much you can afford is an important step in the car buying process. It will help you determine what your current car is worth, how much of a down payment is needed for your purchase, and how much you can afford in monthly payments. Be an informed buyer and know what to avoid when purchasing a car.

It pays to get preapproved with your credit union, and finance your auto with someone you trust.

Negotiate the Price

Knowing how to negotiate is a very useful skill to have during the car buying process. It’ll help you get the best deal and keep you from caving under pressure. Whether you’re purchasing a new or used vehicle, you should have the necessary tools to aid you in getting the best deal possible.


Protect Your Investment

Now that you’ve purchased your car, you’ll need to protect the investment you’ve made. If you take good care of your car, your car will take good care of you.

 

 

 

 

Auto Buying Services

Enterprise Car Sales
Make buying your next car a convenient haggle-free and worry-free experience with Enterprise Car Sales. It starts with great financing options from us, tailored to meet your needs. From there, Enterprise brings you a great selection of vehicles, all competitively priced and backed by one of the industry's best used car warranties.

Auto Wholesale Direct
Buy your next car with confidence and experience red carpet, white glove service with Auto Wholesale Direct (AWD). Start by getting pre-approved with us by contacting our friendly loan officers. From there, you can preview and test drive vehicles with AWD. There's no pressure or hassle and warranties are available.

Invest In America
Save big with trusted U.S. cars through various discounts. It's easy to save big on an eligible new Chevrolet, Buick, or GMC vehicle of your choice!

  • Personal Line of Credit
  • Signature Loans
  • Boat & Jet Ski
  • Motorcycle
  • Campers/Motor Homes
  • Secured Loans
  • Certificate Secured Loans
  • Student Loans
  • Private School Loan

Personal Line of Credit

An unsecured line of credit is available to members to use at their leisure. A personal line of credit is a perfect fit if you enjoy the flexibility of having money available to you when you need it most. Funds can be used for an array of purposes. And best of all, you don't have to complete a loan application each time you need to borrow. As payments are credited to this account, the applied amount to the principal is available for use. The minimum payment requirements are based on 2.5% of the outstanding balance.

Getting approved for a PLOC is easy! Get immediate access to funds by transferring the funds into your account of choice or simply withdraw the funds using your ATM/debit card.

  • Minimum line of credit amount: $1,000
  • Maximum line of credit amount: $30,000
  • Minimum withdrawal amount: $50
  • Unlimited withdrawals per month
  • Payment protection products are available at the member's request
  • Monthly payment can be fixed or variable depending on type of loan approved
  • Payments can be made by mail, phone transfer, online banking, or at any branch location

Signature Loans

Get cash when you need it most with our Signature Loan. A signature loan is an unsecured loan with a fixed monthly payment that allows you to borrow on the strength of your credit with no collateral. The opportunities are endless. Go on that vacation you always wanted to take or consolidate your bills. It's all up to you!

  • Minimum line of credit amount $1,000
  • Maximum line of credit amount $30,000
  • Maximum term is up to 60 months, based on loan amount
  • Payments can be made by mail, phone transfer, online banking, or at any branch location
  • Payment protection products are available at the member's request

Boat & Jet Ski (New & Used)

Ever dreamed of owning a new/used boat or jet ski? It's now within your reach. Financing your fun adventures has never been so easy!

  • Maximum term of the loan is up to 84 months, based on the amount financed and model year.
  • Financing is available up to 80% of the purchase price or up to 80% average retail value whichever is less.
  • Proof of insurance is required.
  • Payments can be made by mail, phone transfer, online banking, or at any branch location.
  • GAP coverage is available.
  • Payment protection products are available at the member's request.

Motorcycle (New & Used)

Enjoy the freedom of the road with a new or used motorcycle. Competitive rates and flexible financing options are available.

  • Maximum term of the loan is up to 84 months, based on the amount financed and model year.
  • Financing is available up to 100% of the MSRP/NADA retail value or purchase price, whichever is less.
  • Extended vehicle warranty is available.
  • Proof of insurance is required.
  • Payments can be made by mail, phone transfer, online banking, or at any branch location.
  • GAP coverage is available.
  • Payment protection products are available at the member's request.

Motorcycle (Premium)

Make your riding dream a reality with a premium motorcycle. We have the perfect financing for you.

  • Maximum loan amount is $35,000.
  • Premium motorcycles include Ducati, Honda Goldwing, BMW, and Harley-Davidson®.
  • Maximum term of the loan is up to 84 months, based on the amount financed and model year.
  • Financing is available up to 125% of the MSRP/NADA retail value or purchase price, whichever is less.
  • Extended vehicle warranty is available.
  • Proof of insurance is required.
  • Payments can be made by mail, phone transfer, online banking, or at any branch location.
  • GAP coverage is available.
  • Payment protection products are available at the member's request.

Campers, Trailers, & Motor Homes (New & Used)

Looking to travel or live adventurously? Buy new or used campers, travel trailers, and motor homes with our competitive financing.

  • Maximum term of the loan is up to 84 months, based on the amount financed and model year.
  • Financing is available up to 80% of the purchase price or up to 80% of wholesale value, whichever is less.
  • Proof of insurance is required.
  • Payments can be made by mail, phone transfer, online banking, or at any branch location.
  • GAP coverage is available.
  • Payment protection products are available at the member's request.

Secured Loans

Flexibility meets financial security. A secured loan is secured by funds available in your Savings (Share), Holiday or Summer Share, or Insured Money Market Account. Use our Secured Loan to help build your credit and to avoid financial missteps.

  • Minimum loan amount $300
  • Maximum loan amount is the amount of funds available in the share account, not to exceed $300,000
  • Maximum term is up to 120 months, based on amount borrowed
  • The annual percentage rate for the share secured loan will be determined by the repayment months.
    • 1 — 36 months share rate + 3%
    • 37 — 72 months share rate + 4%
    • 73 — 120 months share rate + 5%
  • Funds stay on the share savings and earn dividends while being held as loan collateral
  • Payments can be made by mail, phone transfer, online banking, or at any branch location
  • Payment protection products are available at the member's request
  • There must be sufficient funds in the share account to cover the loan

Certificate Secured Loans

Explore the advantages of a loan that is secured by funds available in your term share certificate. The opportunities for financial freedom are endless.

  • Minimum loan amount is $300.
  • Maximum loan amount is 90% of the certificate, not to exceed $300,000.
  • Maximum term is up to 120 months but cannot exceed the certificate's maturity date.
  • The annual percentage rate is 3% above the dividend rate being earned on the term share certificate.
  • Funds stay on the share certificate and earn dividends while being held as loan collateral.
  • Payments can be made by mail, phone transfer, online banking, or at any branch location.
  • The loan will be set up with monthly loan payments.
  • Payment protection products are available at the member's request.
  • There must be sufficient funds in the share account to cover the loan.

Sallie Mae Smart Option Student Loan®

For more than 35 years, Sallie Mae® has helped more than 31 million students achieve their dream of a higher education. Pay for college the smart way and choose the option that’s best for you. When scholarships, federal loans, and financial aid don’t cover all your expenses, the Smart Option Student Loan can make up the rest. Graduate with less debt and pay off your student loans faster with Sallie Mae’s Smart Option Student Loan.

Features and Benefits:

  • Competitive annual percentage rates.
  • Borrow up to 100% of school certified education costs. (minimum $1,000)
  • Multiple in-school repayment options available.
  • Rewards and interest rate reduction borrower benefits available.
  • Rates that reward creditworthy borrowers.
  • Option to apply with a creditworthy cosigner, which may help you qualify and/or receive a lower rate.
  • Quick and easy online application.
  • 24/7 online account management.
  • No prepayment penalty.

Private School Education Loan

The Private School Education Loan program is designed to give you the opportunity to pay your child's tuition in full and take advantage of any discounts the school offers for payment in advance. Current members and/or parents of students attending or enrolling at any Orange, Lake, Seminole, or Osceola County primary or secondary private schools are eligible.

  • Competitive interest rate set annually.
  • Up to $8,500 for 12 months per child, per year.
  • Eligible for grades Pre-K to 12.
  • Fixed APR1 at 6% for the school year.
  • Loan proceeds made payable directly to the school.
  • Loan can be used for tuition, books, uniforms and any required school supplies.
  • Payments can be made by mail, phone transfer, online banking, or at any branch location.
  • Payment protection products are available at the member's request.

1 Annual Percentage Rate

  • Credit Building Loan
  • Outreach Loan

Community Credit Building Loan

When you need to establish or repair your credit, our Credit Building Loan is a smart choice. We'll deposit the approved loan amount of $250 to $500 to your savings account as security for the loan. As you repay the loan over a maximum 12 month period, you're establishing a positive credit history. Once the loan has been repaid, the funds originally deposited plus the dividends earned are yours to keep. These dividends also help to offset the interest paid on your loan.

Payment Example:

     
Loan Amount:   $500
APR1:   3.500%
Term:   12 Months
11 Monthly Payments2:   $42.48
Final Monthly Payment2:   $42.23
Total Finance Charges:   $9.51
     

1 Annual Percentage Rate
2 Principal + Interest

Community Outreach Loan

If you're carrying high-interest debt with a monthly payment that's hard to manage along with the expense of food, housing, and transportation, our Outreach Loan could really help. The approved loan amount of $250 to $1,000 is designed to help you avoid the hassle and costs associated with payday lending. As you repay the loan over a maximum 12 month period, you're establishing a positive credit history. Funds can be paid to you or directly to your creditor(s) to pay off high-rate loans or credit cards.

Payment Example:

     
Loan Amount:   $1,000
APR1:   14.00%
Term:   12 Months
11 Monthly Payments2:   $89.86
Final Monthly Payment2:   $89.83
Total Finance Charges:   $77.29
     

1 Annual Percentage Rate
2 Principal + Interest

TruStage™ Auto Insurance

You trust your credit union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the 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.

MAH-1112-AD42


TruStage™ Life Insurance

Exclusively for credit union members, we offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. With many different options in whole and term life policies, doesn't it make sense to check rates and look into this important coverage?

TruStage life insurance plans and policies offer affordable rates to fit your budget. They provide excellent coverage, underwritten by CMFG Life Insurance Company.

Learn about this important coverage or call 1-855-612-7909 for more information.

TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

LIFE-1112-8F55