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Refinance

Why Refinance Your Auto?

Refinance with our New Lower rate auto loan and $ave money. If you financed your current auto loan through a dealership, you may not have received the best rate. Car dealerships are experts in selling cars and are more focused on the price of the vehicle you’re interested in, and not what’s in your budget. PTFCU’s Lending Team are experts when it comes to refinancing, and are focused on helping you lock in the lowest rate auto loan that saves you the most money. We have lower loan rates and we want to refinance your new or used auto. Our lower rate equals more savings to you over the life of your loan. Take a look at this infographic where we break it down for you.

Vehicle Protection Products that save you money. We offer a full range of protection products that extend the life of your vehicle, offer the same coverage as you would find at the dealer, and we save you money on our protection products! Check out our Debt Protection, low cost GAP/GAP+, and Mechanical Repair Coverage.

Save time with our easy online auto loan application. Apply for your auto loan online in under 5 minutes, safely and securely. Click here for LoanLiner Application.

Reduced monthly payments. When refinancing your auto loan with a different term length and a lower loan rate, it could potentially lower your monthly auto loan payment and reduce your monthly expenses

Make your payments wherever you may be. Set-up loan payments via transfer within your PTFCU APP or using our online Bill Pay, you can easily schedule a single payment or recurring payments for your PTFCU loan.

Why Refinance Your Home?

Your home may be your largest monthly expense and it’s a great place to look for savings! If you have an existing mortgage with another lender, consider refinancing with Pampa Teachers Federal Credit Union! Our flexible terms, competitive interest rates and reasonable closing cost offer more options that may help you save money. Apply Here

Benefits our members enjoy when they refinance their mortgage loan include:

  • Paying off your existing mortgage quicker–Refinancing can mean switching to a shorter loan term, which could help you pay your home off sooner.
  • More savings– By refinancing your high-rate mortgage with a lower rate, you could save thousands of dollars over the life of your loan.
  • Lower monthly payments– With a lower monthly mortgage payment, you could have more cash in your pocket for other expenses.
  • Are you ready to refinance your mortgage? Our lending staff is here to help by offering a variety of options and expertise to assist you with an option that is best for you.
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Pampa, Texas 79066-0920

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What Is An Equal Housing Lender?

As an Equal Housing Lender, Certified Federal Credit Union does business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Under this Act, financial institutions are prohibited from discriminating on the basis of race, color, religion, national origin, sex, handicap or familial status. Under the Federal Fair Housing Act, it is illegal to:
  • Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
  • Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property
on the basis of race, color, religion, national origin, sex, handicap or familial status.

Your funds are safe at your federally insured credit union.

All credit unions provide insurance to their members from the National Credit Union Administration (NCUA ), an independent agency of the federal government. This means that your money deposited in a federally insured credit union is insured up to $250,000, similar to the insurance provided by the FDIC (Federal Deposit Insurance Corporation) to banks.

The shares in your credit union are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States Government. Established by Congress in 1970 to insure member share accounts at federally insured credit unions, the NCUSIF is managed by NCUA.