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Introducing 1% Cash Back on Your Auto Loan and More

We care, and want to offer you 1% Cash Back at CrossRoads Financial Federal Credit Union on your Auto Loan or Truck Loan and much more. If it has a title, your loan qualifies. Use 1% Cash Back to meet your Motorcyle, Boat, RV, and other Recreational Vehicle needs.

An offer this good only comes from your Credit Union. You can purchase a better vehicle or save money by paying off your existing loan at another financial institution. 1% Cash Back at CrossRoads puts money back into your wallet! Call your local credit union office for more information or to make an appointment or apply online.

Here’s more information for members who like to shop around:

This 1% benefit brings value beyond what you see at first. You’re smart shoppers and might find a rate a bit lower than what you’re offered at CrossRoads. If it were only a matter of rates you’d be wise to consider those other options. But take a closer look at why you might want to think twice before jumping for the lower rate:

This example shows Mary and Joe Smith shopping for a used SUV to replace their old vehicle. They need a $13,000 loan for a 5 year (60 month) term. The rate they were offered at Bank ABC is 3.39% APR. At CrossRoads the same loan comes with a rate of 4.38% APR, local loan officers and local decision making, and a 1% cash back offer. One percent cash back means CrossRoads puts $130 right back into Mary and Joe’s wallet.

The breakdown on choices for Mary and Joe looks like this:

Bank ABC $13,000 over 5 years at 3.39% APR* = $236.22 per month
CrossRoads CU $13,000 over 5 years at 4.38% APR* = $242.13 per month and 1% cash back

That’s a difference of only $.20 per day between the monthly loan payments and you receive $130 cash back at CrossRoads.

So which option is best for you? Ask yourself:

  • Do I prefer cash back now or a much smaller amount over a longer time?
  • Can I use that “instant reward” for other opportunities now?

The lower rate option would save you 20 cents per day in payments. But the cash back option would pay you $130 up front with no need to wait on the savings over the life of the loan. If you’re ready to pursue a loan to upgrade your vehicle or purchase that new recreational vehicle, get your 1% cash back loan at CrossRoads.

Call your local loan officer or branch manager to schedule an appointment
Apply for your auto loan

*Offer valid on new money vehicle loans including auto, truck, RV/camper, boats and personal watercraft, motorcycle, ATV, and snowmobile or refinances of same from another financial institution. If refinancing an existing CrossRoads loan, a minimum of $5,000 new money is required to get the cash back. Only new money is valid for the 1% cash back. Rebate will be credited to member within 30 days of loan closing. Loan must remain at CrossRoads for a minimum of 180 days (6 months) or rebate amount will be added to the loan upon payoff. No other rate discounts apply. Minimum loan amount of $5,000. Maximum cash back of $500 per loan. CrossRoads reserves the right to modify or cancel offer at any time. *APR=Annual Percentage Rate. Rates based on borrower credit history , vehicle age, loan amount and length of term. A $75 processing fee applies to all auto and recreational vehicle loans.

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© Crossroads Financial Federal Credit Union, P.O. Box 806, 1102 W. Votaw St., Portland, IN 47371, Phone: 260-726-2142, fax: 260-726-6846. All Rights Reserved. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Crossroads Financial Federal Credit Union is not responsible for, the product, service, or overall website content available at a third-party site. Links to third-party sites are provided as a service only and are not an endorsement. Please view our Privacy Policy and Patriot Act Notice. Crossroads Financial FCU is federally insured by NCUA.