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Loans & Credit Cards

Vehicle Loans

New Vehicle Loan

Sperry is the go-to place to finance that car of your dreams! Whether it's for your dream car that boasts a hulking 5.7 liter V8 that roars under the hood, or that three-row SUV that finally gives your family the space they need, our credit union is ready to get you on the road hassle-free - with some of the best rates around. 

  • Low rates that get you on the road!
  • Terms up to 84 months
  • Loan amounts up to $150,000 to finance the vehicle of your dreams!

Our competitive rates on both new and used vehicles are some of the best around. But wait - there's more! We can even save you money by refinancing your current vehicle.  We can refinance your car from 12 to 84 months.  Need a lease buy-out? Yeah... we do that too! 

Our team will work with your budget whether you're a first-time buyer or an experienced owner.

Vehicle Insurance

For existing vehicle loans - Submit or update your insurance information here. Insurance documents may be faxed to 877-538-6031. For questions regarding collateral insurance on your vehicle contact us at 866-866-3615 or


Apply Here!

Rev Up the Savings with Enterprise

With no-haggle pricing and an expedited process that offers a fair value for your trade-in, Enterprise makes it easy.

From now through December 31st, we're offering .25%* off the current rate! Wow - What a deal!

Click HERE for more info on inventory and the offer, or contact us directly to quickly get pre-approved today!


Ready to Apply? Click Here!


1: APR=Annual Percentage Rate. 1.00% off current rate. This rate offer is being discounted 0.50% from Enterprise Car Sales and 0.50% by Sperry Federal Credit Union. This
rate offer is valid for all terms up to 60 months. The amount of the buy down will not affect the price of the vehicle. Current rate will vary based on credit worthiness & terms.
Financing for qualified Sperry Federal Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased 10/01/2019–10/31/19. No cash advances. Offer cannot
be combined. Not valid on previous purchases. 2: Kelley Blue Book Trade-In Values used by Enterprise are obtained from © 2019 Kelley Blue Book Co.’s website Kelley
Blue Book Trade-In Value is based on accurate condition rating & mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley
Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the
vehicle’s base value. If a Kelley Blue Book Trade-In value is not available for customer’s vehicle Enterprise will provide a fair & competitive value for customer's vehicle. Customer is
responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title.
Restrictions apply. See a Sales Consultant for details. Offer void where prohibited. Used vehicles were previously part of the Enterprise rental fleet &/or an affiliated company's lease
fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation
network company or other use. Photo for illustration only. The “e” logo & Enterprise are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective
owners. © 2019 Enterprise Car Sales.

Used Vehicle/Refinance Loan

  • Low rate
  • Terms up to 84 months
  • Loan amounts up to $150,000


First-Time Car Buyer Loan

Time for your first car?  If so, make us your first stop.  We are ready to help you get behind the wheel – affordably!  Our First-Time Car Buyer Loan is designed for those with little to no credit, and are looking to buy their first car with no parent/co-signer*.  Exercise your financial freedom and buy your first car all on your own – well, with a little help from Sperry FCU of course.

  • Low rate
  • Terms up to 72 months
  • Loan Amounts up to $20,000
  • *Employment of 12 months required




  • Equal Housing Lender
  • Norton by Symantec