Important Member Notice | As we approach the systems merger with Virginia Credit Union, please be aware of the following important dates and times.
Access to CFCU On-The-Go services, including Net24, Dial24 & Mobile24 will be unavailable after 5pm on Friday, May 29th.
Access to mobile deposit using your Mobile24 Mobile Banking app will be unavailable after 5pm on Thursday, May 28th.
Starting Monday, June 1st, you can re-enroll in home banking on the Virginia Credit Union website.
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We offer some of the best rates on auto loans with loan terms designed to meet your needs!

Drive away happy with a credit union loan

As a member of Chesterfield Federal Credit Union, you are eligible for hassle-free financing with great rates on your next vehicle purchase or refinance. In fact, we make financing the easiest part of the buying process. The credit union difference doesn’t just stop at great rates. At Chesterfield Federal Credit Union we pride ourselves on excellent personal service from people who care about your needs. Trained staff are available to answer any of your questions or concerns about our loan process or servicing.

Convenient Payment Options

Chesterfield Federal Credit Union offers many repayment options and competitive terms up to 84 months. Repay using Net24 Home Banking, Mobile24 Mobile Banking or Dial24 Telephone Banking to transfer funds online or by phone, set up an automatic transfer from your credit union account, or choose a payment book. With no pre-payment penalties, you can pay off your loan as soon as you choose.

Motorcycle, Boat & RV Loans

We finance all types of vehicles at Chesterfield Federal Credit Union, not just cars! And unlike most lenders, our loan rates for vehicle loans are the same regardless of the type of vehicle you are purchasing. Financing your motorcycle, boat or RV loan with us can save you thousands

Research Before You Buy

We believe shopping for a car should be as easy as possible—and we know you do too. That’s why we think you’ll love our online car-buying resource center. Rather than running around town to different dealers, you can do all of your research and comparisons from our site! Think of it as a "virtual” car lot. CUDL AutoSmart lets you search thousands of new, used and certified pre-owned vehicles from different dealers. Have specific needs? Look for cars that match your style and budget. Once you narrow down your options, connect with a local dealer and take a test drive!

Visit CUDL AutoSmart for the smart way to research your vehicle options before you buy.

Protect Yourself

When you finance with Chesterfield Federal Credit Union, you have access to unbeatable savings on a Carfax vehicle history report, Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage (an extended warranty). You can also protect your credit with payment protection in the event of an illness or loss of employment.


There's no better place to finance your next vehicle loan!

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Debt Protection

Play it safe with CFCU Safety Net

Help preserve your standard of living. Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because the unexpected can happen at anytime. You’re betting you won’t lose your job (through no fault of your own), or become disabled (due to injury or illness), or pass away, leaving your family responsible for your loan balance. Life events can cause financial hardship, making bill-paying difficult. You don't want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.

Protection suited for you

CFCU Safety Net* is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly occurs. And, simple eligibility requirements ease the enrollment process.

Protection that matters

If your loan is protected and a life event happens to you, CFCU Safety Net* will cancel or reduce repayment of your loan debt - helping to lessen worries about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Life Plus adds protection for financially-stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent.

Protection suited for your needs

Because each member has different needs, we offer three different options for protection with CFCU Safety Net:

  • Comprehensive Protects your family in case of loss of life, disability or involuntary unemployment
  • Prepared Protects your family in case of loss of life or disability
  • Thoughtful Protects your family in case of loss of life
Ask your Financial Services Representative about protection with CFCU Safety Net.
* Your purchase of CFCU SafetyNet is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of CFCU SafetyNet.
Vehicle Protection

Protect your vehicle purchase with these optional services

Chesterfield Federal Credit Union offers a variety of add-on products to help you protect your vehicle loan purchase. These products are offered at a tremendous discount from what you might find at the dealership and can be financed into your loan so there are no out-of-pocket expenses.

GAP Insurance

Typically, your vehicle value declines faster than your loan is paid off. If your car is in an accident, you could be responsible for the gap between what you owe and what the insurance company says your car is worth. GAP insurance from Chesterfield Federal Credit Union will cover this difference and provide you with $1000 towards the purchase of a new car when you finance with Chesterfield Federal Credit Union. This superb protection is available for only $349.

Mechanical Repair Coverage

Repair bills can be costly. Protect yourself from unexpected repair bills by purchasing an extended warranty from Chesterfield Federal Credit Union. This coverage can be used at any repair center in the country. Typically, the repair center is paid directly so you don't have to worry about reimbursements. There are no deductibles on any of our plans. Best of all, your coverage is transferable if you sell the car.


Don't run the risk of buying used cars with costly hidden problems. Get a detailed vehicle history report from the Carfax nationwide database within seconds. We offer a Carfax report for only $19.99 in our branches, a significant savings when compared with $39.99 online.

Effective May 1, 2020
Vehicle Loans Model Years APR* Term^ Calculator
Car, Boat, RV & Motorcycles1 2019 & newer 3.59% 60 months CalculatorOpens in New Window
Car, Boat, RV & Motorcycles 2019 & newer 4.09% 72 months CalculatorOpens in New Window
Car, Boat, RV & Motorcycles 2019 & newer 4.59% 84 months CalculatorOpens in New Window
Car, Boat, RV & Motorcycles 2013 - 2018 3.59% 60 months CalculatorOpens in New Window
Car, Boat, RV & Motorcycles 2013 - 2018 4.09% 72 months CalculatorOpens in New Window
Car, Boat, RV & Motorcycles 2012 & older 4.09% 60 months CalculatorOpens in New Window
Boats & Recreational Vehicles (RV) 2019 & newer 8.49% 120 months CalculatorOpens in New Window
Boats & Recreational Vehicles (RV) 2013-2018 4.59% 84 months CalculatorOpens in New Window
Boats & Recreational Vehicles (RV) 2013 - 2018 8.49% 120 months CalculatorOpens in New Window
Loan terms & conditions may vary based on amount financed.
* Annual Percentage Rate. Lowest APR available with qualifying credit and automatic payment. A loan floor of 1.74% APR applies. Rate is accurate as of the stated date and may change without notice.
^ As an example, the monthly payment on a loan with 3.24% APR and an 84-month term would be about $13.44 per $1000 financed.


Applying for a loan online is easy! Just follow these simple steps:

Auto Loans & Personal Loans

  1. Log in to your Net24 Home Banking account
  2. Select "Apply For A Loan" from the left column navigation menu
  3. Complete the appropriate application
  4. A Financial Services Representative will contact you within one business day with more information.

First Mortgages

  1. Complete an Mortgage ApplicationOpens in New Window through our recommended mortgage partner's loan site.
  2. Their mortgage specialist will contact you to get more information about your mortgage needs.
Request Info
Drive away happy with a vehicle loan from Chesterfield Federal Credit Union!