Finance your dream vehicle
Enjoy the same low rate for new, used, or refinanced vehicles!
Latest rates
Rates and Terms24 Month
as low as36 Month
as low as48 Month
as low as
Auto Loans
Enjoy the same low rate for new, used, or refinanced vehicles!
Save even more with a discounted rate on hybrid or EV vehicles.
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1
Submit application
Submit an application online 24/7, call us, or visit your local branch.
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2
Get pre-approved
We'll notify you when your pre-approval is completed, usually the same day.
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3
Need insurance?
Get your insurance with special member discounts.
First Time Auto Loans
Save up to 1% on your rate as a new buyer. No credit history needed. Finance up to 120% of your vehicle's value!
We've got you covered
Whether you're shopping for a new car, looking for insurance, or protecting you and your vehicle, we have everything you need to keep you worry-free.
Auto
Advisors
Our complimentary Auto Advisor will help find you the perfect car within your budget.
Oak Tree
Insurance Agency
Protection for your auto, home, and business. Let Oak Tree compare your coverages today.
Guaranteed Asset Protection
(GAP)
Drive with peace of mind knowing you're protected if your vehicle is totaled.
Motor Vehicle Acquisition Plan (MAP)
Save money with the features of a lease and the advantages of ownership.
Mechanical Repair Coverage (MRC)
Protect yourself from costly repairs after your warranty expires. Benefits included rental reimbursement, roadside assistance, and no out-of-pocket expenses.
Member
Protect
Feel confident knowing you're protected from financial burdens due to loss of life, disability, or unemployment.
Very happy with the service and speed of the loan.
It's easy to buy the car you need
Get an auto loan with low rates and flexible terms to fit your unique budget.
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**Motor Vehicle Acquisition Plan is only available for non-commercial passenger vehicles.
***If you opt to turn in your vehicle at the end of the term, a disposition fee of $395.00 will apply.
¹ Subject to creditworthiness. Other significant terms apply. Program subject to change at any time without notice. For more information, ask a Representative for details. Cannot go below our lowest published rate. Minimum rate is the current lowest advertised rate, APR. Down Payment and/or cosigner may be needed
² Stated rate assumes term of 24 months and LTV under 75%.
³ First Time Auto Loan – To qualify, you must not have a previous auto loan on your credit history. 1% discount includes Electronic Loan Payment from a Central One checking account. Discounts cannot be combined and cannot go below lowest published rate.
Rates
Auto Loan Rates
| Term | *APR as low as |
|---|---|
| 24 month term |
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| 36 month term |
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| 48 month term |
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| 60 month term |
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| 72 month term |
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| 84 month term |
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*APR - Annual percentage rate
APR-Annual Percentage Rate.
Rates listed above are for personal use vehicles only and subject to change Commercial use vehicle rates may be higher. Down payment may be required. Subject to creditworthiness. Other significant terms apply. Program subject to change at any time without notice. For more information, ask a Representative for details. Cannot go below our lowest published rate. Minimum rate is the current lowest advertised rate, APR. Down Payment and/or cosigner may be needed
New and Used Auto Loan Disclosure: Copy of purchase and sale agreement required. Rate may be adjusted for vehicle age or high mileage vehicles. Qualified borrowers with A+ or A credit may borrow up to 120% of the NADA retail value. Stated rate assumes term of 24 months and LTV under 75%. Actual rate will be determined based on credit history, term, loan to value, and other factors.
First Time Auto Loan – To qualify, you must not have a previous auto loan on your credit history. 1% discount includes Electronic Loan Payment from a Central One checking account. Discounts cannot be combined and cannot go below lowest published rate.
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Open Account
Ice Cream Day Dates
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Adjustable Rate Mortgages
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The 15/5 Adjustable Rate Mortgage offers a fixed APR of for the first 15 years then adjusts to a new rate every 5 years.
Term: Available for terms up to 40 years.
Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.
Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
Calculate your monthly payment using the ARM Mortgage Calculator
Prior to applying, please make sure your credit is not frozen by the credit reporting agencies, or we will not be able to process your application. Payments do not include taxes and insurance.
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The 15/5 Adjustable Rate Mortgage offers a fixed APR of for the first 15 years then adjusts to a new rate every 5 years.
Term: Available for terms up to 40 years.
Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.
Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
Calculate your monthly payment using the ARM Mortgage Calculator
Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application. Payments do not include taxes and insurance.
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The 10/5 Adjustable Rate Mortgage offers a fixed APR of for the first 10 years then adjusts to a new rate every 5 years.
Term: Available for terms up to 30 years.
Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.
Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
Calculate your monthly payment using the ARM Mortgage Calculator
Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application. Payments do not include taxes and insurance.
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The 10/5 Adjustable Rate Mortgage offers a fixed APR of for the first 10 years then adjusts to a new rate every 5 years.
Term: Available for terms up to 30 years.
Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.
Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.
Calculate your monthly payment using the ARM Mortgage Calculator
Prior to applying, please make sure your credit is not frozen by the credit reporting agencies, or we will not be able to process your application.
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The 5/1 Adjustable Rate Mortgage offers a fixed APR of for the first 5 years then adjusts to a new rate every 1 year.
Term: Available for terms up to 30 years.
Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.
Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.
Calculate your monthly payment using the ARM Mortgage Calculator
Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.
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The 5/1 Adjustable Rate Mortgage offers a fixed APR of for the first 5 years then adjusts to a new rate every 1 year.
Term: Available for terms up to 30 years.
Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.
Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
Calculate your monthly payment using the ARM Mortgage Calculator
Prior to applying, please make sure your credit is not frozen by the credit reporting agencies, or we will not be able to process your application.
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The 3/3 Adjustable Rate Mortgage offers a fixed APR of for the first 3 years then adjusts to a new rate every 3 years.
Term: Available for terms up to 30 years.
Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.
Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
Calculate your monthly payment using the ARM Mortgage Calculator
Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.
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The 3/3 Adjustable Rate Mortgage offers a fixed APR of for the first 3 years then adjusts to a new rate every 3 years.
Term: Available for terms up to 30 years.
Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.
Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
Calculate your monthly payment using the ARM Mortgage Calculator
Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.
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The 1/1 Adjustable Rate Mortgage offers a fixed APR of for the first 1 year then adjusts to a new rate every 1 year.
Term: Available for terms up to 30 years.
Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.
Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.
Calculate your monthly payment using the ARM Mortgage Calculator
Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.
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The 1/1 Adjustable Rate Mortgage offers a fixed APR of for the first 1 year then adjusts to a new rate every 1 year.
Term: Available for terms up to 30 years.
Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.
Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
Calculate your monthly payment using the ARM Mortgage Calculator
Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.
Order Checks for your Home Equity Line of Credit (HELOC)
You can order checks through this link Order Checks or by calling 800-355-8123. You will need to input your account number and the Central One routing number (211387169). As a security precaution, you will not be able to change the address on the checks and all orders will be sent to the address of record on the account.
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