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Routing # 314092128

Vehicle Loans

New & Used Vehicle Loans

Whether you are buying for new, used, or refinancing from another financial institution, we can help get you on the road in the vehicle you've always wanted.

  • Same low rate for new or used vehicles
  • Terms between 36 to 84 months with 100% financing available for qualified borrowers
  • First-time buyer program
  • No early payoff penalties
  • GAP, Mechanical Breakdown, Credit Life, and Credit Disability are available with your auto loan
  • Reduced price for a CARFAX on your vehicle.
  • Vehicle loyalty reward for continuing to get your auto loans with Synergy FCU
  • Check with Edmunds about the value of your current vehicle.

Boat Loans

If you are feeling the itch to be out on the lake fishing, it may be time to consider a Boat Loan. Boat Loans are offered with different repayment terms, to help make your monthly payments easier.


If you are shopping for a new motorcycle, ask a Loan Officer about a motorcycle loan.

Travel Trailers & Motor Homes

If you are shopping for a new Travel Trailer or Motor Home, ask a Loan Officer about a loan.

Vehicle Loyalty Reward

Get 0.15% APR off your vehicle loan rate*

Trade in your vehicle currently financed with Synergy FCU and finance your new vehicle with Synergy FCU at the time of purchase to get the Vehicle Loyalty Reward. Vehicle Loyalty Rewards apply to cars, vans, trucks, boats, RVs, travel trailers, and motorcycles. Be sure to get pre-approved before you go vehicle shopping!


Apply for your loan any time of the day, simply by filling out the online application.**

Apply for a Loan

*Vehicle Loyalty Reward rate effective 10/1/2020 and is subject to change without prior notice. Auto refinances from other financial institutions and auto dealerships are not eligible.

**All applications are subject to eligibility.