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Before buying your next car, get preapproved at CRCU.  You will benefit from our great rates and have much of the process finished before you ever visit the dealership.

  • Rates as low as 1.99% APR1
  • No Payment for 90 Days2
  • Get Pre-Approved & Enter to Win Gas for an Entire Year!3
  • New or used cars
  • 125% financing available means little to no money down
  • Purchases or refinances
  • Fast, easy application & approval
  • Calculate your monthly payment with our auto loan calculator
  • View local dealer inventories at the CRCU Member Auto Center

Click to view complete sweepstakes Rules & Details.

The rates listed below include all applicable discounts.

Term Rates as Low As
54 Months 1.99% APR
66 Months 2.89% APR
78 Months 3.09% APR

Transfer your auto loan by phone:  281.422.3611

Apply in person at one of our CRCU Branches

Or Apply Online:

Apply Now      Rates button

1APR = Annual Percentage Rate. Certain terms, conditions, and or discounts apply to rates listed. Rates current as of 8/1/18 and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-qualified rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. Offer expires 12/31/2018. Not available to refinance an existing CRCU auto loan. Membership required. The minimum approved loan amount is $5,000.00.

2Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Offer subject to change or cancellation without notice.

3Must be 18 years or older and a legal resident of Texas to win. No purchase or service acquisition necessary. Gas for entire year is valued at $3,000. One (1) individual, winner to be awarded by random drawing on or before 1/11/19 the grand prize of a $3,000. CRCU reserves the right to terminate, suspend or amend the contest, without notice, and for any reason. Visit crcu.org/events for complete rules, details, and alternate means of entry

Refinance

Want to lower your payments?  We may help reduce costs and lower your payments by refinancing your current auto loan. Our lending experts are ready to help you find the right solution to fit your monthly budget.  Plus, you may be able to skip your next monthly payment!  

Apply Now

Preferred Dealers
Visit any of our Preferred Dealers and you can finance your new or used vehicle without ever leaving the lot.  You'll get CRCU member-only rates, plus you can drive your new vehicle home the same day!    
Disclosure
*APR = Annual Percentage Rate. Your rate will be fixed. Certain terms, conditions and or discounts apply to rates displayed on this page. Payment example:  If you borrow $20,000 at 2.89% APR for 5 years, your monthly payment would be $358.79.  Your monthly payments include principal and interest and may be higher or lower depending on your loan amount, APR, and term.  All credit is subject to approval and some restrictions may apply, including qualifying for a discounted rate. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate displayed on this page. Rates current as of  July 20, 2018, unless otherwise noted and are subject to change without notice. A vehicle is considered new when the model is the current calendar year, next year or the previous year so long as the mileage does not to exceed 7,500 miles. Refinance rate excludes current CRCU loans.  CRCU finances up to 125% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 125% including tax, license, and fees. Maximum LTV is subject to approval and certain restrictions may apply. The minimum approved loan amount is $500.00. **Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period.
Gas Giveaway Complete Rules & Details

OFFICIAL “Burn Rubber Not Cash / Gas for a Year Giveaway” CONTEST RULES

August 18, 2018 – December 31, 2018

1. Introduction:  No purchase or service acquisition necessary.

2. Eligibility:  All winners must be legal residents of Texas and 18 years of age or older.  One automatic entry, per funded automobile loan, to occur during sweepstakes timeframe. Employees of Community Resource Credit Union, its affiliates and agencies and their immediate family members are not eligible to participate.

3. Timing: Sweepstakes timeframe is valid August 18, 2018 through December 31, 2018.  Winners to be selected by random drawing on or before January 11, 2019. One (1) individual, winner to be awarded the grand prize of a $3,000. CRCU reserves the right to terminate, suspend or amend the contest, without notice, and for any reason.

4. Giveaway Process:  One individual winner will be selected by random drawing during contest timeframe. Random drawing to occur on or before January 11, 2019. All CRCU decisions are final.  All federal, state and local taxes and other liabilities are the responsibility of the winner.  All prizes will be awarded.  Prizes are not transferable.  Community Resource Credit Union is not responsible for illegible entries, mis-addressed, mis-directed or damaged mail, or printer errors.  Winners may be required to sign an Affidavit of Eligibility, a Release of Liability and an authorization for the use of his/her name, address, voice, picture or other likeness, without compensation for promotional purposes prior to receipt of prize.

5. Prizes:  One (1) individual, winner to be awarded one (1) $3,000 grand prize in the form of a cashier’s check from CRCU and determined by random drawing.  Opening an account at Community Resource Credit Union does not increase your chances of winning.

6. Miscellaneous:  Under Federal law, Community Resource Credit Union is required to report the taxable value of the awarded prizes to the Internal Revenue Service.  This will result in an issuance of a 1099 for tax reporting purposes.  Acceptance of the prize is an acknowledgement of that requirement. 

7. Alternate Entry:  Individuals may also enter the sweepstakes by hand printing the words “CRCU Auto Loan – Fuel Giveaway“ and their full name, address, daytime phone number, and date of birth on a 3” x 5” card and mailing it to: CRCU, Attn: Marketing Dept., 2900 Decker Drive, Baytown, TX 77520. The 3” X 5” card must be enclosed in a standard, business size envelope and received no later than December 31, 2018. One alternate entry allowed per person.

8. Winner’s List:  The grand prize winner will be posted at Community Resource Credit Union, 2900 Decker Drive, Baytown, TX 775220 after January 11, 2019.  

9. This sweepstakes shall be void where prohibited.

ADDITIONAL LIMITATIONS

Prize is non-transferable. No substitution or cash equivalent of prizes is permitted. Sponsor and its respective parent, affiliate and subsidiary companies, agents, and representatives are not responsible for any typographical or other errors in the offer or administration of the contest, including, but not limited to, errors in any printing or posting or these Official Rules, the selection and announcement of any winner, or the distribution of any prize. Any attempt to damage the content or operation of this contest is unlawful and subject to possible legal action by Sponsor. Sponsor reserves the right to terminate, suspend or amend the contest, without notice, and for any reason, including, without limitation, if Sponsor determines that the Sweepstakes cannot be conducted as planned or should a virus, bug, tampering or unauthorized intervention, technical failure or other cause beyond Sponsor’s control corrupt the administration, security, fairness, integrity or proper play of the contest. In the event any tampering or unauthorized intervention may have occurred, Sponsor reserves the right to void suspect entries at issue. Sponsor and its respective parent, affiliate and subsidiary companies, agents, and representatives, and any telephone network or service providers, are not responsible for incorrect or inaccurate transcription of entry information, or for any human error, technical malfunction, lost or delayed data transmission, omission, interruption, deletion, line failure or malfunction of any telephone network, computer equipment or software, the inability to access any website or online service or any other error, human or otherwise.

 

INDEMNIFICATION AND LIMITATION OF LIABILITY

BY ENTERING THE CONTEST, EACH ENTRANT AGREES TO INDEMNIFY, RELEASE AND HOLD HARMLESS SPONSOR AND ITS PARENT, AFFILIATE AND SUBSIDIARY COMPANIES, THE FACEBOOK PLATFORM, ADMINISTRATOR, ADVERTISING AND PROMOTIONAL AGENCIES, AND ALL THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS FROM ANY LIABILITY, DAMAGES, LOSSES OR INJURY RESULTING IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, FROM THAT ENTRANT’S PARTICIPATION IN THE SWEEPSTAKES AND THE ACCEPTANCE, USE OR MISUSE OF ANY PRIZE THAT MAY BE WON. SPONSOR AND ITS PARENT, AFFILIATE AND SUBSIDIARY COMPANIES DO NOT MAKE ANY WARRANTIES, EXPRESS OR IMPLIED, AS TO THE CONDITION, FITNESS OR MERCHANTABILITY OF THE PRIZE. SPONSOR AND ITS PARENTS, SUBSIDIARIES, AFFILIATES, ADVERTISING AND PROMOTIONAL AGENCIES, AND ALL THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS DISCLAIM ANY LIABILITY FOR DAMAGE TO ANY COMPUTER SYSTEM RESULTING FROM ACCESS TO OR THE DOWNLOAD OF INFORMATION OR MATERIALS CONNECTED WITH THE SWEEPSTAKES.

PUBLICITY

By participating, each entrant grants Sponsor permission to use his/her name, likeness or comments for publicity purposes without payment of additional consideration, except where prohibited by law.

 

CONTEST SPONSORS

This contest is sponsored by:

Community Resource Credit Union

2900 Decker Drive

Baytown, Texas 77520

Any questions regarding this contest should be directed to Marketing@crcu.org

 

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