The Truth About 0% Financing -
If you finance your next car through Texasgulf FCU, it may cost you less than if you financed with
the dealership -
even with 0% financing - when you take the rebate!

That's right! Dealers will usually offer you a $3,000 to $5,000 rebate off the price of a new vehicle if
you finance and not take the 0% rate.

The chart below shows you the truth about these factory advetised "Specials".  As you can see,
Texasgulf FCU financing
plus the rebate on a new vehicle is your BEST option!
Wharton County's Credit Union
 
Dealer
Texasgulf FCU 1
Texasgulf FCU 2
Loan rate
0.00%
2.29%
2.95%
Term
48 months
48 months
60 month
Price
$28,000.00
$28,000.00
$28,000.00
Rebate
$0.00
-$3,000.00
-$4,000.00
Amount financed
$28,000.00
$25,000.00
$24,000.00
 
Monthy payment  
$584.00
$546.00
$427.00
 
Total repayment
$28,000.00
$26,185.37
$25,612.62
 
Total Savings
$0.00
$1,814.63
$2,387.38
You need Java to see this applet.
Get Pre-Approved Before You Look
If you're ready to purchase a new vehicle, get pre-approved with Texasgulf FCU before you go
shopping.  You'll have a piece of mind knowing what you're approved for, what your interest rate
will be and you'll know what your monthly payment will be.  We can even include an extended
warranty, GAP insurance and life & disability insurance in the financing.
*The rates shown above are for excellent credit.  Everyone will not qualify for these rates.
®2010 - 2014     Texasgulf FCU              2101 N. Fulton St.   Wharton, TX  77488                                                         1313 West Loop, El Campo, TX  77437
                                                                      (979) 282-2300                                    Toll Free (800) 647-8428                          (979) 578-9000
Check the value of your trade in before you go to the dealership
It may be best if you sell your vehcile instead of trading it in
GM Credit Union Discount
Vehicle Buying Tips


Refinance Your Vehicle Loan
If you currently have a vehicle loan financed with anyone else besides Texasgulf FCU, you can
save
$100's per when you re-finance your high interest rate vehicle loan with us.

It's quick and easy to re-finance your vehicle with Texasgulf FCU.  Just call us and provide the
VIN number, the exact number of miles, the options that your vehicle has, and where it is
currently financed at.  That's it!  

We'll give you a decision along with your new interest rate and new monthly payment.

Here's an example of the savings you could receive:
 
Your Current Loan
Re-financed Loan with Texasgulf
FCU
Loan amount
$25,000.00
$25,000.00
Term
60 months
60 months
Loan rate
5.10%
2.59%
Payment
$473.00
$445.00
Total repayment
$28,373.03
$26,678.47
Yearly savings
$336.00
Total savings
$1,694.56
*The rates shown above are for excellent credit.  Everyone will not qualify for these rates.
Credit Union Auto Club