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Routing Number: 254074345

Defer the Payments. Keep the Keys.
Defer your payments for up to 3 Months on New, Used, and Refi Auto Loans1.

This summer, we're putting you in the driver’s seat—without the immediate cost. Finance your next vehicle with Congressional Federal and enjoy no payments for up to 3 months. It’s just one more way we’re driven by you.

  • Valid for applications submitted between June 9 – August 31, 2025
  • Applies to new and used auto loans
  • Applies to refinances from other lenders
  • Expanded membership—now open to more than ever
  • Low rates. Flexible terms. Big savings.

Apply now and enjoy the ride.


Explore Your Lending Options
Your car. Your loan. Your credit union.

Whether you’re buying your first car, upgrading your ride, or refinancing for a better rate, we believe your auto loan should move with you. As a member-owned credit union, we answer only to our members and their wallets. Every product we offer is designed to be flexible, affordable, and built around your journey. 

Banks are driven by profits … we’re driven by you.

New & Used Auto Loans

Driven to deliver your car, your loan, your terms.

Get the car you want that matches your budget.

  • Rates as low as 4.99% APR2 on new cars and 5.29% APR on used cars
  • Flexible terms from 36 – 84 months3
  • Zero payments for up to 3 months1
Apply

Flex Auto Loan

Driven to bring you better options.

Flex Auto offers smaller payments now, smarter options later.

  • Lease-like low payments—pay up to 40% less!4
  • Flexible choices at the end of your loan term: sell, trade, finance, or walk away
Get a Flex Auto Quote

Auto Loan Refinancing

Driven to bring you maximum savings.

Love your car, but not your payment? Refinance today with Congressional Federal.

  • We might be able to help you shorten the length of your loan term and pay it off faster
  • Easy pre-qualification takes just minutes, with no impact to your credit score
  • Use our Refinance Calculator to see how much you could save by moving your auto loan to Congressional 
Refinance Calculator

TrueCar Car Buying Service

A member-driven mission means special member rates.

From start to finish, you can buy smarter and save money with TrueCar + Congressional Federal.

  • Browse new and used cars from top brands and view upfront prices on local inventory
  • Our Guaranteed Savings Certificate cuts dealership hassle and provides discounted pricing on the car you want
  • Get rates as low as 4.49% APR5 on new cars and 4.79% APR on used cars
Get Started

1Offer valid from June 9, 2025, through August 31, 2025. Available on new or used auto loans and external refinances submitted during the promotional period. Qualified borrowers may choose to defer their first payment for up to 3 months. Interest will accrue during the deferral period. Offer not valid on Flex Auto Loans, internal refinances of existing Congressional Federal Credit Union loans, or loans for boats, motorcycles, or recreational vehicles (RVs). Additional terms and conditions may apply. Subject to credit approval.

2APR = Annual Percentage Rate. Annual Percentage Rates are based on an evaluation of credit history, so your rate may differ. Rates, terms and conditions are subject to change at any time and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to credit approval. Not all applicants will qualify for financing. Terms and approval are based on creditworthiness and other eligibility criteria.

3New Vehicle Loan Payment Example: A $30,000 loan at 4.99% APR would result in 36 monthly payments of $870.22. A $30,000 loan at 5.99% APR would result in 84 monthly payments of $424.09.
Used Vehicle Loan Payment Example: A $30,000 loan at 5.29% APR would result in 36 monthly payments of $874.14. A $30,000 loan at 5.99% APR would result in 84 monthly payments of $424.09.


4Lower monthly payments are due to the fact that a significant portion of the amount financed is deferred to a final balloon payment position referred to as the Guaranteed Future Value (GFV). The balloon payment (GFV) is based on the vehicle’s projected depreciated value at loan maturity. When the final balloon payment is due, you have four options to satisfy this payment: 1) Pay the GFV amount and retain the vehicle; 2) Sell the vehicle, pay the GFV amount and keep the difference; 3) Trade the vehicle and the GFV amount will be satisfied as part of the transaction; or 4) return the vehicle as a collateral satisfaction of your GFV and walk away (a $195 Disposition Fee is due to process the vehicle pickup). The monthly payment includes the cost for GFV (also known as residual value) protection which gives you the right to return the vehicle at loan termination date and protects you against any decline in the vehicle's Guaranteed Future Value (GFV). If you elect to return the vehicle the following obligations exist: 1) All original equipment that came with the vehicle when you purchased it must still be with the vehicle; 2) If you exceed your Driving Sense loan mileage allowance, the excess mileage fee is $.10 per mile; and 3) The condition of the vehicle when returned must be in accordance with the Loan Addendum which is provided to you at the time of loan disbursement. When you return the vehicle in accordance with the Loan Addendum, the residual amount is considered to have been fully satisfied and the loan is closed. Not all will qualify. Flex Auto Loan program not available in the state of New Hampshire


5To be eligible for these rates, member must purchase his/her next automobile using the Congressional Federal Car Buying Service powered by TrueCar and obtaining a TrueCar Certificate which must be presented at the time of the loan. Used car values based on NADA Clean Retail Value. For more information and conditions, contact us.