We will be closed Monday, January 15, 2018 in observance of Martin Luther King Jr. Day.

Swap and Drop

Let Central drop your auto interest rate by at least 2% APR*


Are you paying a high interest rate on your auto loan due to your credit score? If so, Swap and Drop may be a good deal for you. We are offering to reduce your interest rate by at least 2% APR* when you finance with Central Credit Union.  Percentage rate based on credit review in lieu of credit score. In some cases we may drop your rate more than 2% APR*.  

Not a member? No worries. Once you are approved and satisfied with your interest rate and monthly payment, you can start your membership with Central when you come in to close your loan.  


  • Same Day Loan Decision** - Apply Now
  • Make No Payment for 90 Days.
  • E-Signature Available - Central members may close their loan without coming to the credit union.




The lowest minimum interest rate is 2.04% APR*. This offer excludes existing Central Credit Union auto loans. Interest shall continue to accrue during the payment deferral period. Membership required.  Offer ends March 31, 2018. All loans are subject to credit approval. Terms and conditions apply. 
* APR = Annual Percentage Rate

**Same Day Loan Decision - Excludes weekends and holidays.

Serving Members

Since 1962