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Routing #: 271990871

Auto Loans

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Auto Loans in Merrillville, Valparaiso & Portage, Indiana


Get on the road faster with an auto loan from US #1364 Federal Credit Union, proudly serving Lake and Porter counties since 1936. Whether you’re buying new, used, or refinancing your current vehicle, we make car financing simple, local, and affordable.

Enjoy competitive rates, flexible terms, and personalized service from a credit union that understands what Indiana drivers need.

Why Finance Your Car with US #1364 Federal Credit Union?

Competitive Local Rates

Lock in a low rate on your next new or used car loan. Our rates are among the most competitive in Northwest Indiana, helping you save money over the life of your loan.

Flexible Loan Options

  • Finance new or pre-owned vehicles from dealerships or private sellers
  • Refinance your current auto loan to reduce your monthly payment
  • Choose repayment terms that fit your budget and timeline<

Fast, Friendly Local Service

As a local credit union with branches in Merrillville, Valparaiso, and Portage, we offer personal service that big banks can’t match. From application to approval, our team helps you every step of the way—quickly and conveniently.

Auto Loan Features

  • Competitive fixed rates for new and used vehicles
  • Terms up to 72 months available
  • No prepayment penalties—pay off your loan anytime
  • Convenient online application and e-signature options
  • Automatic payments available from your US #1364 FCU account
  • Local decisions made right here in Northwest Indiana

Refinance Your Existing Auto Loan

Already have an auto loan elsewhere? Refinance with US #1364 Federal Credit Union to lower your rate or monthly payment. Our refinancing process is quick and easy—helping you save more while keeping your business local.

Apply for an Auto Loan Today


Buying a car shouldn’t be complicated. Apply online today or visit one of our Northwest Indiana branches to speak with a lending specialist.

Call: 219-769-1700 | Serving Lake & Porter Counties Since 1936

The Financing Process

Loan applications can be taken online, at any of our Northwest Indiana branch location, or over the phone. Loans can be paid automatically every month from any of your credit union accounts. You can also pay your loan through online banking, mobile banking, Susie Teller, at any branch, by mail, or by phone. We have made the payment process as easy as possible for our members!

    Auto Loan Application Checklist:

    • Your two most recent pay stubs
    • Proof of insurance
    • A savings account at U S Federal Credit Union

    *Rates are subject to change, existing loans with U S Federal Credit Union are not eligible for this offer. Minimum $2,500 loan to qualify. APR = Annual Percentage Rate. Offer cannot be combined with any other promotion special. Promotion can end at any time. U S Federal Credit Union is an Equal Opportunity Lender.

    Auto Buying Program

    U S Federal Credit Union has partnered with CarQuotes to offer you their exclusive “Know Before You Go” pricing on new and used vehicles. Get a low, upfront price before heading to the dealership!

    Vehicle Protection Plans

    Guaranteed Asset Protection (GAP+)

    Most cars depreciate by thousands of dollars as soon as they leave the dealer. And if your vehicle is stolen, accidentally damaged beyond repair, or declared a total loss, you are still responsible to pay the difference.

    Guaranteed Asset Protection (GAP+) helps cover the difference between your primary insurer's settlement and the loan balance on the items directly related to the purchase of the vehicle.

    Ask your auto loan officer about GAP+ coverage today

    Mechanical Repair Coverage

    Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

    MEMBER’S CHOICE® Mechanical Repair Coverage can help deflect some risk of costly future, covered repairs keeping your vehicle running extra miles and extra years. With different coverage levels and deductibles to choose, there’s a plan to fit your family’s budget.

    View all features of Mechanical Repair Coverage.

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