Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
Soak Up Your Savings—90 Days, No Payments
Ease into better weather by lowering your auto loan rate up to 2%*.
Soak Up Your Savings—90 Days, No Payments
High-interest auto loans got your wallet feeling the heat? This summer, cool off with UK Federal Credit Union.
Refinance your loan and enjoy no payments as you ease into summer, giving your budget some breathing room.
Plus, start your lower payments now, so they’re ready just in time for that family vacation. This offer isn’t just for cars! It’s available for auto, boat, motorcycle, and off-road vehicles that are seven years old or newer.
Why refinance with UKFCU?
- Skip payments for 90 days
- Save up to 2%* off your current rate
- Convenient service at 7 branches or online anytime
Joining is easy! Membership eligibility is simple, and you can become a member in minutes.
Enjoy no payments now and lower payments in 2026 with up to 2%* off your existing rate. That’s a summer full of hassle-free savings and a lower rate to enjoy when the season is over.
Don’t let high rates steal your sunshine—refinance with UKFCU today!
Ready to Enjoy
No Payments for 90 Days?
Bundle up even more savings with up to 2% off your current loan rate* when you refinance!
"How much can I save?"
See how much you could save by refinancing your current high-rate auto loan with UKFCU!
Auto Loan Refinance with UKFCU: Simple Steps to Start Savings
Refinancing your auto loan doesn’t have to be complicated. With just a few easy steps, you can lower your interest rate by up to 2%* and enjoy 90 days without a payment. Here’s how to start saving today:
Check Your Rate: Find your current loan rate and gather proof (e.g., statement, screenshot).
Apply Online or In Branch: Visit one of our seven convenient locations or apply online between May 1st and July 31st to save big on your interest rate over the life of your auto loan.
Lock in a Lower Rate: We'll reduce your rate by up to 2%*, with a minimum of 4.99% APR*.
Relax for 90 Days: Once approved, you'll have no payments for 90 days! That's no payments in the short term, lower payments in the long term!
Ready to Enjoy
No Payments for 90 Days?
Bundle up even more savings with up to 2% off your current loan rate* when you refinance!
Financial fitness starts here.
Refinancing your auto loan is a smart financial decision. See the various other ways you can up your financial literacy with our Mindful Money Blog!
Become a UKFCU member today.
When you meet our qualifications, opening a membership is easy and you can join online.
* Offer available for collateral 7 years old or newer and applicable to auto, motorcycle, boat and powersport vehicle loan refinances. Interest rate reduction limited to a floor rate of 4.99%. Rate reduction not to exceed 2%. Interest will accrue during 90-day no-payment period. Collateral must be currently financed in the member/borrower’s name with a financial institution other than UKFCU. Proof of current interest rate is required. Forms of proof include but not limited to: Online banking screenshot with rate and collateral, purchase agreement, statement, or any other method for documentation purposes to verify current rate and collateral. Current vehicle registration required. Payment on existing loan must be current to qualify for interest rate reduction. Member must be in good standing with UKFCU to qualify. All financing subject to UKFCU’s standard underwriting guidelines and credit evaluation. Offer may end any time, and without notice. Offers cannot be combined. Membership eligibility required. Federally insured by NCUA.
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