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Auto Loans

For a limited time, get Auto Loan Rates for as low as 0.99% APR*!  Learn more here.


Come to Atlantic Federal for your new, used or refinanced auto loan. You’ll save money by financing your vehicle with us. We’ll even help you structure a loan with monthly payments that work for your budget.

Looking to purchase something to take off the beaten path? Check out our Specialty Vehicle Rates.


  • Finance a new or used vehicle
  • We also finance Specialty Vehicles like ATVs, motorcycles and boats (See our Current Rates)
  • Up to 125% financing including tax, title and extended warranty
  • Terms up to 8 years
  • Get a pre-approval valid for 45 days for more bargaining leverage at the dealer
  • Optional protection for your vehicle and to ensure your ability to pay the loan: GAP Coverage, Mechanical Repair and Debt Protection Plan

Already have a vehicle loan elsewhere? No worries! We'll refinance it at our same great rates with no refinance fees! See our current rates.

Download an application or apply online.

Enterprise Car Sales

Looking at a late model pre-owned vehicle? Preview the great selection and check out the deals at Enterprise Car Sales.  With Enterprise, you'll have haggle-free buying and worry-free ownership.  Take advantage of perks you won't find anywhere else: 

  • 109-pt inspection
  • Free Carfax report
  • Trade-ins welcome

Exclusive offer: Through October 31, 2019 get 0.25% off the current rate1, a $300 Visa Gift Card2 and receive Kelley Blue Book® Trade-In Value on your vehicle when you finance an Enterprise vehicle with Atlantic Federal Credit Union.

Borrow smart. Buy smart. Enterprise car sales.

1: APR=Annual Percentage Rate. 0.25% off current rate. This rate offer is being discounted by Atlantic Federal Credit Union. This rate offer is valid for all terms up to 60 months. Current rate will vary based on credit worthiness & terms. Financing for qualified Atlantic Federal Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased 10/01/2019–10/31/19. No cash advances. Offer cannot be combined. Not valid on previous purchases. 2: $300 gift card will be issued 30 business days upon purchase (or financing) of vehicle. Offer valid only on Enterprise vehicles purchased 10/01/2019–10/31/19 & financed through Atlantic Federal Credit Union. Offer void when 7-Day Buyback is activated. No cash advances. Offer cannot be combined. Not valid on previous purchases. Used vehicles were previously part of the Enterprise rental fleet &/or an affiliated company's lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use. Photo for illustration only. The “e” logo & Enterprise are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2019 Enterprise Car Sales.

Car Buying Advice

The following links will help you during the car buying process.


  • Member Services representative at the Kenilworth branch, Tammy, is amazing. She is knowledgeable, helpful, and most important to me: extremely courteous. Tammy deserves a huge shout-out!
  • Always a great experience with the employees. The tellers always offer help or suggestions. Ginny, Nara, and Donna are awesome!
  • I want to thank you, Adam for all your work with my loan app. You have been such a blessing to me. You are an asset to the Credit Union.

  • The best Credit Union I ever used!
  • What a great Credit Union…even before I was a member I felt welcomed. I love the customer service, your mobile app and your services.  Keep up the excellent work, you have me as a member for life.
  • I've been with Atlantic Federal for more than 20 years. Great customer service  and I love the Holiday and Vacation Clubs.
  • Thank you! Great customer service, great products! I left the “big” banks; now Atlantic Federal is my primary bank.
  • I’ve been an Atlantic Federal member for years!  I'm very satisfied with the service.
  • I’ve been a member of MY CREDIT UNION since 2001.  I wouldn’t EVER go anywhere else.  Atlantic Federal is my family.  There are too many pleasant and courteous staff members to try to name!
  • Very good place to bank at – loans have very low interest and the Atlantic Federal staff is so easy to deal with. Great service!
  • My experience with Atlantic Federal has been exceptional!  I have told anyone who will listen how great the Credit Union's service is.

  • Working with you guys was basically a complete 180 from working with the last bank…so thank you again and we will absolutely be recommending you to all of our friends who are looking for mortgages.

  • Yvana has been my go to person at the Credit Union for many years.  I know that whenever I have an issue I can always call on her at any time and she won't hesitate to help me out. Recently, my debit card was compromised and I noticed it after business hours so I wasn't sure of the proper protocol.  I called Yvana, she walked me through the entire process and I came in the next morning to resolve the issue with Eileen, who was also a great help.  The Credit Union is lucky to have such dedicated employees.

  • I was worried about how I was going to fund some of my daughter's college tuition. Well thank goodness for Ms. Magaly. She told me to sit down, relax and explain my needs. I was truly expecting to be denied once again like at one of those banks that I've dealt with in the past.  Then she said "We have a loan that fits your needs and you qualify!"  All my worries suddenly went away. I can say that she definitely puts the members first.

  • I made it to the Kenilworth branch just before the 5 pm closing.  Even though it was late, Roberto patiently processed my loan – I’m sure on his own time. Then there’s Karina, who is so helpful and always has a smile. If I had a company, these people would be working for me!  You’re lucky to have staff members of this caliber!

  • I am writing today to commend Lynn and express my gratitude for the high quality customer service she always provides whenever I call the Credit Union.  She is professional, courteous and patient.  I can feel her smile each and every time we talk on the phone.

  • I recently had an emergency and needed a Home Equity loan quickly.  My initial contact was with Aida and the loan was finalized by Sabrina.  This was a very stressful time for me and both of these women were professional, patient, knowledgeable and considerate. They answered all of my questions, explained the various options as well as the process.  They are an asset to the Credit Union.