June 2012 

MEMORANDUM

SUBJECT: Lending institutions that provide discounts for more fuel-efficient vehicles 

FROM: Gloria Helfand, Assessment and Standards Division 

 Office of Transportation and Air Quality 

 U.S. Environmental Protection Agency 

On April 9 and 10, 2012, I conducted an internet search to identify whether there are lending 

institutions that consider vehicle emissions and fuel economy performance when considering the 

terms of a loan. In this exercise, I searched on the term “green auto loan,” and also reviewed 

EPA SmartWay’s information on lending institutions providing discounted auto loans for 

SmartWay Certified Vehicles (http://www.epa.gov/smartway/vehicles/smartway-certified.htm). 

This search identified approximately 60 lenders that provide a reduced auto loan rate for 

consumers who purchase a more fuel-efficient vehicle. The following list is the result of those 

searches. EPA does not endorse any of the lenders, nor do we believe this is a complete list. 

 

General

CarLoans123.net 

http://www.carloans123.net/low_rate_new_car_loan.html 

FastandFuriousCarLoans.com 

http://www.fastandfuriouscarloans.com/go_green_auto_car_loan.html 

90 Second Car Loans.com 

http://www.90secondcarloans.com/go_green_add.html 

Rapidcarloans.net (National) 

http://www.rapidcarloans.net/green_car_loans.html 

QuickAutoLoans.com 

http://www.quick-auto-loans.com/ 

Banks

Key Bank (14 states) 

https://www.key.com/personal/vehicle-loans-lines/auto-loans.jsp 

Savers Bank (MA) 

http://www.saversbank.com/greenauto.php 

US Bank (National) 

http://www.usbank.com/loans-lines/auto-loans/green-auto-loan-rate-discount.html 
Credit Unions

Alabama Telco Credit Union (AL) 

https://www.alatelco.org/prodserv/green_auto_loan/ 

Credit Union 1 (AK) 

https://www.cu1.org/auto_loans.aspx 

Cabrillo Credit Union (CA) 

https://www.cabrillocu.com/vehicle-loans/ 

Educational Employees Credit Union (CA) 

http://www.myeecu.org/home/resource-center/car-buying-resources 

First Tech Federal Credit Union (CA) 

https://www.firsttechfed.com/vehicle/ 

Fresno County Federal Credit Union (CA) 

http://www.fresnocfcu.org/home/rates/loan 

Keypoint Credit Union (CA) 

https://www.keypointcu.com/personal/auto-loans-detail.aspx?id=168 

Point Loma Credit Union (CA) 

http://www.plcu.com/loans_vehicle/greencarloans.asp

San Jose Credit Union (CA) 

https://www.sjcu.org/?Cabinet=MAIN&Drawer=LOANS&Folder=Go+Green+Loans&SubFolde

r=Go+Green+Loans&Page_name=Go+Green+Loans 

Stanford Federal Credit Union (CA) 

https://www.sfcu.org/loans-and-credit-cards/personal-loans/auto/drive-green-auto-loan 

Capitol Region Federal Credit Union (CT) 

http://www.capitolregionfcu.org/asp/rates.asp 

Bank-Fund Staff Federal Credit Union (DC) 

http://bfsfcu.org/products_and_services/loans/vehicle_loans/green_auto_loan.html 

Bright Star Credit Union (FL) 

https://www.bscu.org/gogreen/index.htm 

Central Credit Union of Florida (FL) 

http://www.ccufl.org/rates 
Community First Credit Union (FL) 

http://www.plcu.com/loans_vehicle/greencarloans.asp

Tampa Bay Federal Credit Union (FL) 

http://www.tampabayfcu.org/index.php/rates/consumer-vehicle-loan-rates.html 

Georgia’s Own Credit Union (GA) 

https://www.georgiasown.org/vehicle_loans.html 

University of Hawaii Federal Credit Union (HI) 

https://www.uhfcu.com/green/car.html 

Eli Lilly Federal Credit Union (IN) 

http://www.elfcu.org/news/20120307/go-green-buy-smart-to-combat-gas-prices/ 

DuTrac Community Credit Union (IA) 

http://www.dutrac.org/lending-services/auto/ez-green 

Veridian Credit Union (IA) 

http://veridiancu.org/loans/green_loan.asp 

University of Iowa Community Credit Union (IA) 

http://www.uiccu.org/loans/auto-loans.html 

Pelican State Credit Union (LA) 

http://www.pelicanstatecu.com/loans_secured.aspx 

Lafayette Federal Credit Union (MD) 

http://www.lfcu.org/vehicle.html 

NIH Federal Credit Union (MD) 

http://www.columbiacu.org/loans/green_auto.asp 

CPCU Credit Union (MA) 

http://www.cpcu.org/loans_ee.html?silverheader=2 

Hanscom Federal Credit Union (MA) 

https://www.hfcu.org/personal/loans/vehicle_loans.html 

Harvard University Employees Credit Union (MA) 

https://www.huecu.org/auto-loans/go-green.-save-green.,1012.html 

UMassFive College Federal Credit Union (MA) 

https://secure.umassfive.org/green_loan.html 

United Financial Credit Union (MI) 
http://www.unitedfinancialcu.org/ps-autocenter.php 

Affinity Federal Credit Union (NJ) 

http://www.affinityfcu.org/site/loans_auto_finance.html 

Local Government Federal Credit Union (NC) 

https://www.lgfcu.org/loans/pages/greenCar.php 

State Employees’ Credit Union (NC) 

https://www.ncsecu.org/GreenLoans/GreenVehicle.html

Welcome Federal Credit Union (NC) 

http://www.welcomecu.org/loans/index.php 

Southern Chautauqua Federal Credit Union (NY) 

https://www.665-7000.com/auto.html 

FAA Credit Union 

http://www.faaecu.org/loans/auto-loans#/tab/new-autos 

Tinker Federal Credit Union (OK) 

https://www.tinkerfcu.org/aV3_Web_Site/Loans/Green_Vehicle_Loans.html 

Northwest Resource Federal Credit Union (OR) 

http://www.nrfcu.org/loans/auto_boat_rv.shtml 

OnPoint Credit Union (OR) 

https://www.onpointcu.com/personal/mortgages_and_loans/auto.html 

Unitus Community Credit Union (OR) 

https://www.unitusccu.com/personal/personal-loans/auto-loans/green-auto-loans 

Bucks First Federal Credit Union (PA) 

http://www.bucksfirstfcu.org/loan_al.html 

Carolina Trust Federal Credit Union (SC) 

https://www.carolinatrust.org/loans-vehicle.aspx#thinking 

SAFE Federal Credit Union (SC) 

http://www.safefed.org/loans-credit/vehicle-loans.aspx 

City Credit Union (TX) 

https://www.citycu.org/l_loans.htm#Green_Vehicle_Loans 

Wasatch Peaks Credit Union (UT) 

http://www.webercu.com/rates/loanRates.php 
Piedmont Credit Union (VA) 

http://www.piedmontcu.org/category/tags/auto-loan 

The Partnership Federal Credit Union (VA) 

https://www.thepartnershipfcu.com/loanproducts.html#veh 

Columbia Credit Union (WA) 

http://www.columbiacu.org/loans/green_auto.asp 

OBee Credit Union (WA) 

https://www.obee.com/pages/loans-and-credit-cards/green-auto-loans.php 

Seattle Metropolitan Credit Union (WA) 

http://www.smcu.com/home/loans/green 

Sound Credit Union (WA) 

http://www.soundcu.com/personal/auto-loans/green-auto-loans/ 

Dane County Credit Union (WI) 

https://www.dccu.us/loans-and-credit/vehicle-loans.php