Refinance Today, Get a $250 Bonus1

Looking to lower your monthly payment? Refinance your auto or motorcycle loan with Citadel Credit Union, and for a limited time get a $250 bonus.

Auto Refinance

With Citadel, refinancing auto loans comes with many benefits, and for a limited time, a $250 bonus when you refinance a non-Citadel auto loan. Refinancing your loan can lower your monthly payment, and we offer financing up to 120% of vehicle value.2 Citadel offers competitive low rates and flexibility on payment options. Start saving today!

Not sure where to start? We'll put you in gear! Schedule an appointment, connect with us virtually through Video Connect, call us at (800) 666-0191, or visit any branch.

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Auto Refinance Rates

*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.

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Additional Features

  • Skip-a-Pay – With Citadel’s Skip-a-Pay, you can skip your loan payment for the following month. Log in to Online Banking and find out if you have an eligible loan today.
  • Defer your payment up to 60 days(for credit-qualified individuals)
  • Financing up to 120% of vehicle value
  • Lowered monthly payments
  • Extended Vehicle Warranty and GAP Insurance – Get a free quote today on an Extended Vehicle Warranty and GAP insurance. Learn more.
  • Payment Protection – Protect your loan from the unexpected. Learn more.

Ready to speak with a representative about refinancing your auto loan?

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Best For...
Flexibility on payment options
Lowering monthly payments & rates
Payment protection
Receiving instant approval
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Introducing Citadel Video Connect

We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.

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Frequently Asked Questions

What do I do if I receive a letter regarding my auto insurance?
If you have received a letter regarding your auto loan and your insurance coverage, Citadel most likely needs proof of auto insurance or proof of adequate insurance coverage. In the event that we do not get confirmed coverage, Citadel will force-place insurance on the vehicle. To enter your insurance information, you can visit
Who can I contact with auto title questions?
For any auto title questions, please feel free to contact us at or call us at (800) 666-0191.

Still have questions? Visit our help center.

*Auto Refinance Disclosures

View *Auto Refinance Disclosures

1To qualify for the $250 cash bonus, loan amount minimum is $10,000. Loan must be closed at an existing Citadel branch and cannot be financed through an automobile dealer. Refinancing of existing Citadel auto loans do not qualify. The bonus deposit will be deposited into your Citadel savings account within 60 business days of the loan funding. Loan must be open and in good standing at the time of incentive processing. Cash bonus is subject to all applicable taxes and are the responsibility of the member. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes on this offer.

2Annual Percentage Rates (APRs) shown are accurate as of and may change without notice. APRs may range from 2.99% and will not exceed 18%. Your actual APR will be based on a review of your credit application, creditworthiness, collateral, vehicle model year, and loan term. Not all members will qualify for the lowest rate and payment may not be lower for every member. All loans are subject to credit approval. Up to 120% financing on vehicle model years 2015 and newer are available; not all borrowers will qualify for full percentage of advance. A lien recording fee applies and will vary by state.

3First payment may be deferred for up to 60 days from loan date for credit-qualified individuals. Your loan will accrue interest during that time. Payments can be made during deferral period. Some restrictions apply. Offers may be modified or withdrawn at any time. Ask for full details.

If you are not currently a customer, Citadel will open a savings account in your name upon approval and fund it with a $5 initial deposit. This savings account will give you access to a variety of Citadel’s products and services.