Refinance Your Auto or
Recreational Vehicle & Save 1.00% APR*!
Move your loan to Sentinel Federal Credit Union and instantly lower your rate — up to 1.00% APR* off your existing loan, down to as low as 3.99% APR*.
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Keep the same payment term — just save money
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Works for cars, trucks, motorcycles, campers, boats, UTVs & more
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Fast local approval from a real person
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Open to new & existing member
*Annual Percentage Rate
How Easy Is It to Refinance?
Our limited time promotion is designed to help you refinance your existing loan to help save you money.
01
Send Us a Few Details
Submit the quick form with no credit check.
02
We Review Your Existing Loan
One of our local lenders will confirm your rate, balance, and payoff.
03
We Lower Your APR by 1.00%
As long as your current rate is 4.99% APR or higher, we reduce it by 1.00% (not below 3.99%).
04
You Sign & Start Saving
Keep the same remaining loan term — just with a lower payment.
Why Switch to Sentinel FCU?
Lower Payment
Reduce interest instantly with our 1.00% APR* discount.
Local Decision Makers
Meet with a local lender nearby at one of our convenient branches!
No HIdden Fees
$75 refinance application fee & no prepayment penalty.
Already working with another bank or credit union? You can still refinance with us and become a member at the same time.
Refinance 1.00% Annual Percentage Rate auto and recreational vehicle loan offer valid Nov. 3, 2025 – January 11, 2026. The APR cannot fall below 3.99%. Subject to credit approval. Valid for existing and new members with original loan generated from another lender, not Sentinel Federal Credit Union (SFCU). Existing loan must be at least 90 days old. Membership eligibility applies. Direct deposit with autopay from an SFCU checking account required. Copy of the original promissory note should be provided. The term of the new loan must match the existing remaining term of the loan being financed. SFCU has the discretion to make changes to the promotion. Offer not available to businesses, public funds or brokered deposits. No employee discounts can be combined. Sentinel Federal Credit Union is an equal opportunity lender and insured by the NCUA.