Voted the Coosa Valley’s Best Auto Loans every year

Pre-Approved Auto Loans

We make auto loans easy. Easy is good.

Finance your next car from anywhere, at any time.

• Get pre-approved through the app or  online. 
• Take your pre-approval letter to the  dealership. 
• Sign your loan documents when you pick up your new car. 
• Not a member? No worries! Your account will be opened right from the dealership when your financing is completed. 

There's a Reason Why We Were Voted Best Auto Loan Provider in the Coosa Valley 

We're excited to have been voted  Best of the Coosa Valley for Auto Loan Provider, Credit Union, Customer Service, Financial Planning, Place to Work, and more in 2021, 2022, 2023, and 2024, and we are working hard to continue earning those titles. CPFCU can finance  or refinance your new or used automobile at a competitive rate to keep payments affordable, and it's surprisingly easy! Financing is simple within our apps, through online banking, here on the website, or even right from the dealership! Check loan rates  here. If you have questions, email  [email protected]. Want to hear a friendly voice? Talk with a loan officer at  any of our branches. 

Perks of a Coosa Pines auto loan include:

Still have questions?

Reach out to us at (256) 378-5559 or toll-free 1-800-237-9789 Option 5 to speak with a Loan Officer. We're happy to help! 

*Applicants must be eligible for membership. Membership is open to Clay, Coosa, Jefferson, Shelby, St. Clair, and Talladega Counties. All applicants must meet standard underwriting requirements. The offer does not apply to commercial loans. Restrictions apply.  Contact a Loan Officer for complete details.  View  Loan Rates. 

---

Extended Warranty

Most basic (or bumper-to-bumper) warranties last for the first 36 months and 36,000 miles. As a vehicle ages, the cost of repairs dramatically increases. Once the basic warranty expires, without an extended warranty, the unexpected repair cost could be in the thousands of dollars. 

Coosa Pines FCU's extended warranty plans can be purchased anytime, even if the vehicle is not financed with the credit union. If purchased at the time the vehicle is financed with CPFCU, the warranty price can be financed with the auto. Plans are available for new and pre-owned vehicles and have benefits that extend beyond the cost of repairs. Use any licensed repair facility in the U.S. 

Additional benefits for Platinum, Gold, and Silver plans include: 

• Tire protection 
• Travel and lodging 
• Transferable contract 

We'd be happy to tell you more about our Extended Warranties! To speak with a loan officer, contact us at (256) 378-5559 or toll-free 1-800-237-9789, Option 5.  

*The Obligor and Administrator is Old Republic Insured Automotive Services, Inc. 8282 South Memorial Drive, Suite 202, Tulsa OK 74133

---

Guaranteed Auto Protection (GAP) 

If a vehicle is totaled or stolen, the primary insurance policy will usually cover only the vehicle's depreciated or “cash” value. Many times, the insurance settlement will not cover the vehicle’s entire loan payoff – creating what can be a significant balance or “GAP” – and you are responsible for paying the difference. 

Guaranteed Auto Protection (GAP) relieves you of the responsibility for the outstanding balance not covered by your primary insurance policy, subject to the program terms.* 

GAP with Coosa Pines FCU also includes: 

• Auto deductible reimbursement 
• $1,000 replacement vehicle benefit 

Call (256) 378-5559 or toll-free 1-800-237-9789 Option 5 to speak with a Loan Officer, or email [email protected]. We're happy to help! 

*Guaranteed Auto Protection covers the difference between the actual cash value of your vehicle and the loan balance as of the date of loss, less delinquent payments, late charges, accrued interest, refundable service warranty contracts, and other related charges. Restrictions apply. 

---

Credit Disability & Life Insurance 

No one likes to think about their income being reduced or lost because of an unforeseen event, but the truth is life happens. If the unexpected happens, like disability or death, how might that impact your finances, family, or credit? Payment protection will provide you with the reassurance that you or your loved ones will have one less bill to worry about. 

Credit insurance could make your payments in case of a covered disability or death. Applying is easy: 

• No medical exam is required 
• Customizable options for your needs and budget 
• Premium included in your loan payment 
• Allows you to cancel at any time 
• It will not impact your loan terms or approval 

Enjoy the security that could come with being covered. Ask Coosa Pines FCU about Credit Disability and Credit Life Insurance today. 

Speak with a loan officer at (256) 378-5559 or toll-free 800-237-9789, Option 5. 

*Credit Life and Credit Disability Insurance are available with most loans. CMFG Life Insurance Company underwrites this optional coverage. Please ask your credit union loan officer for details. 

Credit Life and Disability Insurance, underwritten by CMFG Life Insurance Company (Home Office: Waverly, IA), is optional to purchase 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 Group Policy for a full explanation of the terms. Base Policy Nos. CI-MP-POL, CI-SP-POL, B3a-830-0996, B3a-800-0695, B3a-800-0288, CI-MP-CE-POL; CI-MP-OE-CC-POL; CI-MP-OE-POL; B3a-800-0992. 

---

 

TruSTAGE Insurance Discounted for CPFCU Members 

You trust Coosa Pines Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined a dedicated team of insurance professionals to bring you the TruSTAGE™ Auto and Homeowners Insurance Program, specially designed to serve credit union members and save them money.  TruSTAGE™ also offers life and disability insurance products. 

As a valued Coosa Pines Federal Credit Union member, you can help protect your family with coverage designed to fit your life and budget. 

• Credit unions and their members prefer the TruSTAGE Auto and Homeowners property and casualty coverage solution. 
• Access convenient e-service, pay your bill or make changes to your policy, and even report a claim. 
• Receive fast, easy access to claims service 24 hours a day. 
• Obtain a free, no-obligation quote. 

Click  here  to start saving now! Or call toll-free, 1-855-483-2149. 

TruSTAGE™ is the marketing brand for the insurance program made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states, and they vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. 

---

*RadioAlabama's MIX 106.5 & KiX 100.3 Promotions hosted awards for the Best of the Coosa Valley (Hwy 280 Corridor). Top nominees advanced to the voting round, where approximately 100,000 nominations and votes were cast. (RadioAlabama.net) 

*Skip-A-Payment programs are not promised, but they usually occur twice yearly, in summer and winter. For a Skip-A-Payment coupon, click here. When offered, the Skip-A-Payment coupon does not change the current loan payment amount but extends the loan term by one month. Interest will continue to accrue on the loan balance from the last payment due date and will be reflected in the following month. Loans excluded from this offer are loans with 12.00% or more interest rate, loans over $50,000, VISA® accounts, loans currently past due, loans with a 30-day or greater delinquency in the past 6 months, loans with less than three consecutive payments made, charged off loans, mortgage loans, commercial loans, and loans with other than monthly payment frequency. If the loan carries GAP Protection, any loan amount that is skipped or delinquent may or may not be covered under GAP Protection. 

NOTE: Proof of  Full Coverage Insurance  is required on all new or used automobiles financed by Coosa Pines FCU until the loan is paid in full. Certain restrictions apply. Submit proof of insurance by fax to 866-266-7898 or from a cell phone upload to WeHaveInsurance.com.  You may also mail it to Coosa Pines FCU, P.O. Box 500, Childersburg, AL 35044.  If you have questions, please call 1-800-635-5142, ext. 4144.