Auto & Miscellaneous Secured Loans


Auto & Motorcycle Loans

Your next car starts at 360FCU. Drive more. Pay less.


  • Finance up to 100% of the purchase price of a new or used vehicle or motorcycle.
  • Extended terms up to 84 months
  • Fast pre-approvals
  • Same rates for new and used vehicles up to 10 years old
  • Refinance an existing vehicle loan you have at another financial institution
  • GAP Protection to protect your investment


Mobility Loan

For vehicles with equipment or modifications to assist people with disabilities

  • For new or used purchase- up to 10 years old
  • Low interest rates
  • Up to $75,000
  • Terms up to 72 months


Miscellaneous Secured

Have a little fun!

  • Boats
  • RV’s
  • Campers
  • ATV’s
  • Personal watercraft
  • Snow mobiles


Apply Now


Auto Affordability Calculator

Loan Payment Calculator


New & Used Auto Loan Rates

  Rates as of: 12/01/2018
Up to 10 Years Old- 100% Financing AvailableOver 10 Years Old- 85% Financing Available
Up To 36 months3.49%6.49%
37 - 48 months3.49%6.49%
49 - 60 months3.74%6.74%
61 - 72 months3.99%Not Available
73 - 84 months4.49% (current model year only)Not Available
Payment Example: On a 60 month new auto loan (with Auto-pay), $30,000 purchase price at 3.74%, your monthly P&I payment would be approximately $549.02.


Mobility Loan Rates

 Rates as of: 2/1/2018
Mobility Loan
Up To 60 months4.99%
61 - 72 months5.49%
Payment Example: On an 60 month Mobility Loan (with Auto-pay), $50,000 purchase price at 4.99%, your monthly P&I payment would be approximately $943.23.


Miscellaneous Secured Rates

 Rates as of: 7/1/2017
ATV's, Personal Watercraft, Snowmobiles
Up To 60 months6.74%
61 - 84 months7.74%
Boats, RV's
Up To 60 months6.74%
61 - 84 months7.74%
85 - 120 months28.74%
Payment Example: On an 84 month Miscellaneous Secured Loan (with Auto-pay), $30,000 purchase price at 7.74%, your monthly P&I payment would be approximately $463.71.




1) APR = Annual Percentage Rate. Rates are effective as of the date shown and are subject to change without notice. The Annual Percentage Rate includes a 0.25% rate discount with Auto-Pay from a 360 Federal Credit Union Account. If the Auto-Pay is not set-up or removed from the account your rate will increase by 0.25%. Rates listed are based on our credit grade “A”. Your actual rate may differ depending on your individual credit score and term. 

2) Term for loans greater than $25,000.

Loans are subject to credit approval. Membership eligibility required. Ask for details.