Hughes Federal Credit Union
Hughes Federal Credit Union — refinance rates from 5.95% with terms up to 84 months.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Hughes Federal Credit Union does not publish this on their public site. "No restriction" means Hughes Federal Credit Union explicitly states no limit.
Overview
Hughes Federal Credit Union, based in Tucson, Arizona, offers a fully online vehicle refinance with rates as low as 5.95% APR on new and used cars and trucks. Terms run up to 84 months with a fixed rate. If you're not a member, you'll open an account first before applying.
What’s great
- Refinance APR as low as 5.95%
- Fully online application, no branch visit needed
- Fixed rate with terms up to 84 months
What to know
- Must open a membership account before applying
- Upper APR bound and minimum credit score are not published
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.95% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | Not disclosed |
| Membership requirement | Hughes membership required; open an account before applying |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Hughes Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Hughes Federal Credit Union before applying.
- [1]Hughes FCU Vehicle Loan Refinancing — as low as 5.95% APR (car & truck, new & used); terms up to 84 months; fully online application — Hughes Federal Credit Unionhttps://www.hughesfcu.org/products/detail/refinance-auto-loansLast checked: October 2026
- [2]Hughes FCU Apply for a Loan — non-members open an account before applying — Hughes Federal Credit Unionhttps://www.hughesfcu.org/apply/loanLast checked: October 2026