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Swap and Drop

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


Are you paying a high interest rate on your car 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
  • E-Signature Available - Central members may be able to close their loan without coming to the credit union.




The lowest minimum interest rate is 2.54% APR* for 24 months. This offer excludes existing Central Credit Union auto loans. Membership required.  Offer ends September 30, 2019. All loans are subject to credit approval. Terms and conditions apply. 
* APR = Annual Percentage Rate

**Same Day Loan Decision - Excludes evenings, weekends and holidays.
Serving Members

Since 1962