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Routing # 211977320

Auto Loans

Looking to purchase a new or used vehicle or refinance an existing loan? Let our loan professionals help you find the loan that best meets your needs at the most competitive rate around. Be sure to get pre-approved for a loan before you head to the dealership and be better prepared to negotiate and finance your dream vehicle.

New Vehicle Loans

Wellness Federal Credit Union will provide up to 100% financing (based on the NADA book value) for qualified buyers on any previously untitled or unregistered automobile purchased from a licensed dealer. The interest rate will be determined by the term chosen.

Used Vehicle Loans

We offer the same rates for new and used vehicles. Plus, we offer financing for older and higher mileage autos.

Refinanced Vehicle Loans

Wellness FCU refinances auto loans from other institutions. The rates are the same as for new and used vehicles. Pull out your loan paperwork and let us see if we can save you money by refinancing.

With our Guaranteed Asset Protection (GAP) Plus with Deductible Assistance, if your vehicle is deemed a total loss due to an accident or theft, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP Plus helps you get into your next vehicle by reducing your next loan at the credit union by $1,000.

If your vehicle is damaged, but not deemed a total loss and your auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe.

Talk to us about how we can help protect you from sudden out-of-pocket expenses.

GAP Insurance Video



Mechanical Repair Coverage (MRC) offers essential protection against costly car repairs. As your vehicle gets older, the risk of costs and repairs increases – MRC can help limit those costs and protect your finances.

With our MRC you can enjoy many valuable benefits including:

  • Rental reimbursement
  • 24-hour emergency roadside assistance
  • No out-of-pocket expense (except for any deductible): the administrator pays the repair facility directly for the covered repair

MRC Video


Credit Life & Disability Insurance provides protection for your family’s finances.

When your family experiences a hardship, the last thing they need is additional worry about how to pay your debts. Credit Disability and Credit Life Insurance may make your loan payments in the event of disability or even your death. Which means an easier time for the people you love. Enjoy the security that comes with being protected.

Protection that ­ fits your needs:

  • Easy application
  • No medical exam required
  • Customized to fit your needs and budget
  • Cost included in your loan payment
  • Completely voluntary
  • Will not affect your loan approval

Enjoy the security that comes with being protected.

Insurance Video