Vehicle Lending Disclosures

*$150.00 will be deposited into your FRFCU Regular Savings account within 30 days of loan booking. $150.00 offer only available for loan amounts of $10,000.00 or more, and for automobiles not already financed with FRFCU. Promotion effective 3/1/2023.

Financing is offered exclusively for titled vehicles purchased through licensed dealerships, including automobiles, motorcycles, ATVs and UTVs, recreational vehicles (RVs), boats, personal watercraft, and other licensed or titled vehicles. Private party purchases are not eligible for financing.

New & Used Vehicle Loans

New and Used Vehicle Loan Terms over 72 months require a minimum loan amount of $30,000.
Used Vehicles: Loans are granted on vehicles no more than nine (9) years old get up to 130% of the NADA or Kelly Blue Book retail value.
Vehicle Refinancing: Loans are granted on vehicles no more than nine (9) years old get up to 130% of the NADA or Kelly Blue Book retail value, adjusted for mileage and vehicle options.
(1) Annual Percentage Rate (APR) remains fixed for the term of the loan.
(2) New Vehicles: Get up to 130% financing plus tax, tag, title and extended warranty insurance.
(3) The Annual Percentage Rate (APR) quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either (A) existing checking acct with minimum monthly Direct Deposit of $500.00, (B) FRFCU cash card with minimum 5 transactions in previous month, (C) Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Loans are subject to credit approval. Rates are subject to change without notice.
(4) Loans and Lines are not available in Puerto Rico.
Rates are subject to change.

12welve Auto Loans

**12welve Auto Loans: Eligible borrowers will qualify for rate reductions after making 12 consecutive on-time monthly payments. Borrowers will be able to receive a maximum of 3 rate reductions after each 12-month period in which all monthly payments were made as scheduled. Loan amounts up to $25,000. Additional criteria may apply. 12welve is only available for new and used auto loans. 12welve cannot be combined with any other rate discount programs or incentives. Offer is subject to credit approval. Terms and conditions may change without notice. Membership eligibility required. Federally Insured by NCUA.

New Motorcycle & ATV Loans

Financing up to 100% of invoice is available. New motorcycle financing is available for any current or prior model year motor cycle that has never been titled.
(1) Annual Percentage Rate (APR) remains fixed for the term of the loan.
(2) New Vehicles: Get up to 130% financing plus tax, tag, title and extended warranty insurance.
(3) The Annual Percentage Rate (APR) quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either (A) existing checking acct with minimum monthly Direct Deposit of $500.00, (B) FRFCU cash card with minimum 5 transactions in previous month, (C) Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Loans are subject to credit approval. Rates are subject to change without notice.
(4) Loans and Lines are not available in Puerto Rico.
Rates are subject to change.

Used Motorcycle & ATV Loans

Financing is available up to100% of NADA retail value adjusted for motorcycle/ATV options. Financing is available for any used current model year vehicles plus vehicles of the five (5) prior model years.
(1) Annual Percentage Rate (APR) remains fixed for the term of the loan.
(2) New Vehicles: Get up to 130% financing plus tax, tag, title and extended warranty insurance.
(3) The Annual Percentage Rate (APR) quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either (A) existing checking acct with minimum monthly Direct Deposit of $500.00, (B) FRFCU cash card with minimum 5 transactions in previous month, (C) Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Loans are subject to credit approval. Rates are subject to change without notice.
(4) Loans and Lines are not available in Puerto Rico.
Rates are subject to change.

Boats & Personal Watercraft Loans

New Boats & Personal Watercraft: Up to 100% financing is available for any personal watercraft. Up to 100% financing available on any new vessel that is longer than 12 feet, but less than 27 feet that has either inboard/outboard or attached propulsion and has a title that is recorded with their state division of motor vehicles.
Used Boats & Personal Watercraft: Financing is available up to100% of NADA retail value adjusted for optional equipment. Financing is available for personal watercraft, or for vessels longer than 12 feet, but less than 27 feet that has either inboard/outboard or attached propulsion and has a title that is recorded with their state division of motor vehicles.
(1) Annual Percentage Rate (APR) remains fixed for the term of the loan.
(2) New Vehicles: Get up to 130% financing plus tax, tag, title and extended warranty insurance.
(3) The Annual Percentage Rate (APR) quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either (A) existing checking acct with minimum monthly Direct Deposit of $500.00, (B) FRFCU cash card with minimum 5 transactions in previous month, (C) Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Loans are subject to credit approval. Rates are subject to change without notice.
(4) Loans and Lines are not available in Puerto Rico.
Rates are subject to change.

Recreational Vehicle Loans

New Recreational Vehicles: New recreational vehicle financing is available for any current or prior model year vehicle that has never been titled, or any current or prior year “demonstrator” vehicle with less than 5,000 miles on its odometer. Financing is available up to 80% of purchase price (excluding registration fees, sales tax and warranty coverage).
Used Recreational Vehicles: Financing is available up to 100% of NADA retail value adjusted for mileage and vehicle options. Used vehicle financing is available for any current model year used vehicle plus vehicles of the six prior model years.
(1) Annual Percentage Rate (APR) remains fixed for the term of the loan.
(2) New Vehicles: Get up to 130% financing plus tax, tag, title and extended warranty insurance.
(3) The Annual Percentage Rate (APR) quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either (A) existing checking acct with minimum monthly Direct Deposit of $500.00, (B) FRFCU cash card with minimum 5 transactions in previous month, (C) Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Loans are subject to credit approval. Rates are subject to change without notice.
(4) Loans and Lines are not available in Puerto Rico.
Rates are subject to change.