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Best for: MD/DC/VA members refinancing an existing auto loan

Tower Federal Credit Union

Tower Federal Credit Union — used auto refinance rates from 4.49% to 6.49% APR.

Min credit
Not disclosed
APR
4.49%–6.49%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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

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

Overview

Tower Federal Credit Union has a dedicated auto refinancing page inviting you to bring your loan from another lender. As of October 8, 2026, used auto rates range from 4.49% to 6.49% APR across terms from 36 to 84 months, including a 0.25% discount for enrolling in automatic monthly loan payments.

What’s great

  • Dedicated auto refinancing page for loans from other lenders
  • Published used auto APR range of 4.49%–6.49%
  • 0.25% discount for automatic monthly loan payments

What to know

  • Membership eligibility criteria not published in plain terms
  • Loan amount and FICO minimums not published

Eligibility

Minimum credit scoreNot disclosed
APR range4.49% – 6.49% (for used auto refinance terms from 36 to 84 months, effective October 8, 2026)
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term length36 – 84 months
States servedNot disclosed
Membership requirementNot disclosed

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 Tower Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Tower Federal Credit Union before applying.

  1. [1]Car Loan Refinancing | MD, DC, VA Auto Loan Rates — Tower Federal Credit Union
    https://www.towerfcu.org/loans/auto-loans/auto-refinancing
    Last checked: October 2026
  2. [2]Auto Loan Financing | MD, DC and VA Car Buying — Tower Federal Credit Union
    https://www.towerfcu.org/loans/auto-loans
    Last checked: October 2026
  3. [3]Become A Member | MD, DC, VA Membership Benefits — Tower Federal Credit Union
    https://www.towerfcu.org/about/membership
    Last checked: October 2026