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Routing Number: 254074345

Auto Loans

Congressional Federal offers many ways to help our members purchase the car that’s right for them.

  • Auto Loans for new and used car buyers who like predictability in their payments.

  • Auto Refinance Loans for members who want to move their auto loan and refinance it with Congressional Federal.

  • Congressional Federal Car Buying Service powered by TrueCar3 provides a turnkey, hassle-free car buying solution from the search to the financing.

  • Flex Auto Loan for those who want low lease-like payments with the flexibility to sell, trade, finance or return the car at loan maturity.

Take advantage of our low auto loan rates. We offer 100% financing, excellent service, and a suite of auto loan solutions for our loyal members.

Easy Application Process

Applying is easy! Just apply online now, call 800-491-2328, or visit your local branch.

Protect Your Vehicle

Don't forget insurance! As a member of Congressional Federal, we can also help protect you, your family, vehicle, and home with TruStage Insurance products and programs designed specifically for credit union members.

GAP+ Insurance

We offer the option to add on Guaranteed Asset Protection Plus (GAP+) insurance when you finance your car with us. If your vehicle is totaled or stolen and your insurance company won’t cover everything, GAP insures you for the difference between what you owe and what your insurance company says it's worth. It's valuable protection for your investment. Please contact us at 800.491.2328 for more information on GAP Insurance for your next car purchase.

Guaranteed Asset Protection Plus (GAP+) is not intended to replace your automobile insurance. It does not provide bodily injury property damage, liability, or collision insurance and does not comply with any financial responsibility or any other low mandating motor vehicle insurance. All new or used motor vehicles with a maximum loan of $100,000 are eligible. Benefit coverage limits up to $50,000 with a loan term up to 84 months. Power sport vehicles, watercraft and recreational vehicles are at a different policy rate and other limits apply. GAP Plus protection will pay the first $1,000 towards the loan on a replacement motor vehicle, power sport, watercraft or recreational vehicle loan financed through Congressional Federal. The replacement vehicle must be financed within 120 days of the date your primary insurance company pays the claim on a total loss. 


1APR = Annual Percentage Rate.

2Annual 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. Not all applicants will qualify for the lowest rate, longest repayment term or maximum loan amount.

3To be eligible for this rate, 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.