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Best for: Borrowers seeking a lower rate on an existing auto loan from another lender

Communication Federal Credit Union

Communication Federal Credit Union — auto refinance rates published as low as 4.49% APR.

Min credit
Not disclosed
APR
From 4.49%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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"Not disclosed" means Communication Federal Credit Union does not publish this on their public site. "No restriction" means Communication Federal Credit Union explicitly states no limit.

Overview

Communication Federal Credit Union offers auto loan refinancing for loans currently held at another lender. As of October 2026, refinance rates start as low as 4.49% APR, with the promotional rate available on model year 2019-or-newer vehicles refinanced from another financial institution.…

What’s great

  • Refinance rates published as low as 4.49% APR
  • Nationwide membership available, including a paid Sustaining Member option
  • Online calculator to estimate refinance savings before applying

What to know

  • No published APR ceiling or term range for refinance loans
  • Promotional 4.49% rate requires a model year 2019 or newer vehicle

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
APR floor (as low as)From 4.49% — minimum only; full range not published
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthNot disclosed
States servedNot disclosed
Membership requirementMembership is open nationwide; residents of Oklahoma or Kansas can join a qualifying organization for free, others can join as a Sustaining Member of the Cornerstone Foundation for a one-time $10 fee, or qualify through employment, location, or family ties.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Communication Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Communication Federal Credit Union before applying.

  1. [1]Refinance Your Auto Loan & Save — Communication Federal Credit Union
    https://www.comfedcu.org/loans/auto/refinance/
    Last checked: October 2026
  2. [2]Join the Credit Union — Communication Federal Credit Union
    https://www.comfedcu.org/join/
    Last checked: October 2026