A female bank teller is receiving a check from a young African American woman from behind a desk.


The best rate may not be the best deal.

Financing through the car dealership may be costing you more than you think. At PCT Federal Credit Union, you can finance (or refinance) your auto loan without the worry of overpaying. Whether you’re looking for low auto rates, extended vehicle warranty plans, GAP coverage, payment protection, or auto insurance discounts, we’ve got you covered! How much can you save?

Apply for an auto loan



Low Rates

Combined with excellent customer service and an easy application process, PCT Federal Credit Union offers competitive auto loan rates so that our members can be sure they are getting the best deal around. Here at the credit union, we pride ourselves on building relationships, so whether you’re a first time car buyer or not, you have a trusted resource to walk you through every step of the process.

Click here to see rates.

Extended Vehicle Warranty

How much have you budgeted for your next car repair? If you’re like most people, you probably don’t have an extra $600 set aside specifically for unexpected auto repairs. PCT Federal Credit Union now offers Extended Vehicle Warranties that can save you time and money.

Our Extended Vehicle Warranty program features open enrollment so if you’ve already purchased a car or are in the market to, you can still take advantage of this great opportunity.

Auto Insurance Discount

Wouldn’t it be great if you could get an auto loan and insure your vehicle at the same time? How about protecting your home and belongings too?

Now you can! As a PCT Federal Credit Union member, you can access a full range of Horace Mann products to help fulfill your insurance needs.

Through Horace Mann’s relationship with Commerce Insurance, a MAPFRE company, PCT Federal Credit Union Members receive special group savings. Combine these savings with Commerce’s Shop Smart Discount and save up to 14% off your auto insurance premium.

Plus add additional saving for AAA members.

When you pick Horace Mann for your insurance needs you will feel confident that you will be provided with the peace of mind you expect and deserve!

Visit for more information.

GAP Coverage

The last thing you want to think about after purchasing a new vehicle is what to do if your car is deemed a total loss. From the moment you drive your car off the lot, your new vehicle depreciates in value roughly 20%. Over the next four years, you can count on a 15% decline in value on an annual basis. In the event that your vehicle is stolen or totaled, Guaranteed Auto Protection (GAP) Insurance covers the difference between what you owe on the vehicle and what your vehicle is actually worth (potentially saving you thousands of dollars).

You will also be eligible for a $1,000 GAP Plus benefit when you finance your next vehicle through PCT Federal Credit Union.

Life & Disability Coverage

Are you and your family prepared to meet financial obligations in the event of a sudden disability, illness, or unexpected death? If something happens to you and your income is eliminated or reduced, Credit Life and Disability Insurance from PCT Federal Credit Union can help provide you financial protection and peace of mind. Credit Life and Disability Insurance options are available for all consumer loans.