Florida Department of Transportation Credit Union


Whether you are new car shopping or want to save on your existing auto loan, our 90 day payment holiday and low interest rates will help put your hard earned cash back in your pocket!

They say it's good to know someone in the car business.  In this case, it's the DOT Credit Union!  As our member, you have access to some of the best resources in town -- including our low rates and low monthly payments.  So whether you’re buying a new or pre-owned car, truck, or SUV, or would like to lower the car payment on your existing vehicle, we’re here to help you save money right now.

  • Rates as low as 1.99% APR (Annual Percentage Rate)
  • up to 130% financing available1
  • Flexible terms up to 84 months2
  • No payment for up to 90 days3
  • Refinance and lower your car payment and loan rate up to 2%4

1.    Up to 130% MSRP or NADA retail, plus Tax, Tag, Fees, Warranty and GAP financing available based on creditworthiness.

2.    Length of term based on loan amount.

3.    Finance charges begin accruing as of the loan origination date. Minimum 660 Beacon score to qualify for 90 day payment deferral.  All others may receive up to 60 day payment deferral.

4.    Subject to Credit Union floor rate.  Loan rate reduction excludes existing DOTCU auto loans.


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