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We want you to get the ride you’ve always dreamed of—whether that’s in a new car, on the open road, or through open waters. When you’re a member of Tower Federal Credit Union, you have access to great rates, flexible terms, and unbeatable service. Before you buy, we’ll help you shop and research, get a price guarantee, get a pre-approval—all in one place.


Purchase or Refi My Car

With Tower, the car you’ve always wanted is within reach. We offer great rates for new and used, flexible terms, and peace of mind when you finance with us. Applying for a Tower auto loan is fast, secure, and easy to navigate!

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Tower Car Buying Service, Powered by TRUECar®

Check out the Tower Car Buying Service, powered by TRUECar®, for no-hassle online car shopping. Tower can help you shop, research, and save.

  • Research the make and model, read reviews, and get pricing—all in one place
  • Fast pre-approval
  • Guaranteed Savings
  • Members receive an average savings of $2,177 off MSRP.1

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Boat, Motorcycle, and RV Loans

Hit the open road or the high seas with confidence when you finance your new boat, motorcycle, or RV with Tower.

  • Great rates
  • Up to 100% financing
  • Easy and fast application process

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Protect My Car

Life is full of the unexpected. Proactively prepare for anything and protect your investment with Tower’s protection options.

  • GAP Advantage with PowerBuy
  • Major Mechanical Protection
  • Debt Cancellation

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Insurance Requirement

According to the “Property Insurance” terms of your Credit Agreement, you are required to maintain insurance for any vehicle used as collateral to secure a loan with the credit union. Coverage must include fire, theft, comprehensive loss-by-collision (with maximum deductibles of $500.00 for Collision and $500.00 for Comprehensive), and liability protection.

Tower Federal Credit Union must be listed as “loss payee” on the insurance policy for any vehicle used as collateral to secure a loan with the credit union. You must supply the credit union with your auto insurance company name and policy number.

Please provide the following to your insurance provider for listing as the “loss payee”:

Tower Federal Credit Union
PO Box 123
Annapolis Junction, MD 20701-0123

Tower Federal Credit Union must be listed as the “lien holder” on the title for any vehicle used as collateral to secure a loan with the credit union.

Please record the lien in favor of the following:

Tower Federal Credit Union
P.O. Box 660426
Sacramento, CA 95866-0426


Not a member of Tower Federal Credit Union yet? See if you are eligible to join!

For further assistance, please visit a branch or call our Member Service Center at 301-497-7000 or 866-56-TOWER.

For all auto loans, vehicle must be titled in U.S. Refinancing not available for existing Tower loans. Minimum loan amount is $5,000. Minimum loan amount for 72-mo. financing is $15,000. Minimum loan amount for 84-mo. financing is $25,000.

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    Auto MSRP Disclosure – Between 1/1/21 and 12/31/21, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through the Tower Federal Credit Union Auto Buying Program and who were identified as buying a new vehicle from that Certified Dealer was $2,177. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer’s trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.

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