Buy or Refinance

Rates as low as

1.49% APR*

Apply Now
View Rates
Auto Loans

Buy or Refinance

Rates as low as

1.49% APR*

Apply Now
View Rates

Affordable Auto Loan Financing

Auto Loan Rates

View Rates

Refinance & Save

Refinance a high interest auto loan and keep more money in your pocket.  See how much you can save!

loan calculator

Get Pre-Approved

Shop with confidence knowing you’re already approved.  It’s fast and free. 

Get Pre-Approved

Shop with Confidence

The BCEFCU Car Buying Service powered by TrueCar means guaranteed savings when buying through a TrueCar Certified Dealer.

Shop TrueCar

Apply and Buy

Baltimore County Employee Federal Credit Union partners with dozens of area dealerships to make applying for a vehicle loan fast and easy. 

Find A Dealer Partner

Auto & Loan Protection

Have peace of mind knowing that your vehicle and your finances are covered with these optional services:

* Subject to credit approval. Check for qualifying details. APR=Annual Percentage Rate. The Auto Loan Rate listed above is the lowest available rate up to 60 months and includes a rate discount of 1.00% available ONLY with Automated Payments. Refinancing of any existing Credit Union Auto Loan will incur a processing fee of $250.00.



"Tae Allen was extremely helpful with the car loan process. Jennifer Wilson was also extremely helpful and efficient with processing the final papers. I will most definitely brag about this bank to all my family and friends at the place of my employment which is John's Hopkins Bayview Hospital."
Clara Zaidelmember since 2018
Clara Zaidel
"We just love the service and care the CU always offers us. We live in Cecil County now, but still keep our CU accounts, because of the great service and rates!"
Michael Fossler, Jr.member since 1983
Michael Fossler, Jr.
"I could tell Customer Service cared about any concerns that I had and explained everything so I could understand, which made me feel very comfortable about my transactions."
A Happy Membersince 2020
A Happy Member
“Mary H. was absolutely wonderful. Very responsive to my emails and very patient with my questions. I am so glad I belong to BCEFCU-Best Bank Ever!!”
Phyllis Bongiornomember since 2017
Phyllis Bongiorno
"Representative was professional, courteous and worked to make sure all needs were met, and all problems were resolved."
Gary Hinesmember since 2020
Gary Hines
"Everyone that had a hand in helping me through this process was nice and made me feel comfortable and confident in my decision."
A Happy Membersince 1999
A Happy Member

Recent Articles

3 Things to Know About Buying a Brand New Car

3 Things to Know About Buying a Brand New Car in 2021

There are many things to consider before purchasing any car, but a...

5 Tips for Getting the Best Deal on a New Car

5 Tips for Getting the Best Deal on a New Car

So, you've found the perfect car. Well, not quite yet. Here are...

vehicle loans

4 Things you Need to Know About Vehicle Loans

If you're looking to purchase a vehicle, or simply looking to get...