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graphic Two cars parked on a beach with a cruise ship in the background.

Cruise Away to Lower Monthly Payments!

Refinance today. Plus, enter to win a cruise vacation!

Drive In & Cruise Away

Refinance Your Car Loan, Save Money by Lowering Your Rate by at Least 1% and Don't Make a Payment for up to 90 Days!1

If you financed your car elsewhere, now is the time to bring your loan to SFEFCU! A 1% rate reduction can save you hundreds over the life of your loan. Plus, you may qualify for more than a 1% rate reduction, increasing your savings!

Don't make a payment for up to 90 days!1

This means no summer car payment! You will be driving carefree all summer long, and the money you save can help you cover other summer expenses.

Already have a dependable car that is paid off, but need some extra summer cash? Then use the equity in your car to take out the cash you need. An auto equity loan1 uses your vehicle's equity as collateral and allows you to use the cash for any purpose. Refinance or take out an auto equity loan today, and complete your sweepstakes entry ticket for a cruise ship vacation valued at $1,000.2

If you are drowning in debt, we can be your life preserver. For additional information or to apply, visit your nearest Credit Union branch, call our Member Contact Center or if you are a registered Online Banking user, conveniently sign in and click on the "Apply for a Loan" tab.

1APR = Annual Percentage Rate. Quoted rates assume payments are made electronically, either by payroll deduction, ACH or Automatic Transfer, otherwise, except for Beat-the-Lease auto loans, the rates increase by .50%. All Credit Union loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and your credit score. Rates shown may not apply to every borrower. New auto rates range from 2.75% – 18.00% APR., with terms up to 84 months. Used auto rates range from 2.99% – 18.00% APR, with terms up to 72 months. Summer payments are not required if you are presently on a 10-month school payroll plan, except for Beat-the-Lease auto loans. Rates quoted are subject to change. The 2.75 rate for new auto loans and the 2.99 rate for used auto loans requires a maximum loan term of 48 months. Longer terms are available and are priced accordingly. 1% loan rate reduction available on auto loan refinances only, subject to a Floor Rate of 2.75%, excluding existing SFEFCU vehicle loans. Finance charge begins from date of loan disbursement and is repaid over the term. 90 day first payment deferral offer available on auto loan refinances and auto equity loans, excluding Beat-the-Lease auto loans. 90 day first payment deferral offer also available on existing SFEFCU vehicle loan refinances with equity cash out, subject to a minimum $2,000 increase to loan balance, excluding Beat-the-Lease auto loans.

2The Drive In & Cruise Away Sweepstakes ("sweepstakes") is open to all accountholders of South Florida Educational Federal Credit Union (SFEFCU) who are 18 or older at the time of entry. SFEFCU employees and officials, and their family members, are not eligible to enter the sweepstakes. No purchase, payment or other financial transactions are necessary to enter or win. Making a purchase, payment, or conducting other financial transactions with SFEFCU will not increase your chances of winning.

SPONSOR: Sweepstakes is sponsored and funded by South Florida Educational Federal Credit Union, 7800 SW 117th Ave, Miami, FL 33183.

ADMINISTRATOR AND SOURCE OF FUNDS: Sweepstakes is funded and administered by South Florida Educational Federal Credit Union, 7800 SW 117th Ave, Miami, FL 33183. This sweepstakes is in no way sponsored, endorsed, or administered by, or associated with, Norwegian Cruise Line. As such, please direct any questions, comments, or complaints regarding the sweepstakes to the Administrator.

  1. PROMOTION PERIOD: Sweepstakes begins at 12:00 a.m., ET on July 1st, 2018 and ends at 11:59 p.m., ET on August 31st, 2018. ("Promotion Period").
  2. TO ENTER: You can enter the sweepstakes by completing an entry ticket at any South Florida Educational Federal Credit Union branch on or before August 31st, 2018, or by submitting an entry ticket by mail. To enter by mail, you may request an entry ticket by emailing: An entry ticket will be sent to you by mail. Your completed entry ticket will be mailed to: SFEFCU Sweepstakes, 7800 SW 117th Ave, Miami, FL 33183. All mailed entries must be postmarked no later than August 31, 2018. All requested information on the entry ticket must be completed to be valid. Entries are limited to one (1) per accountholder, per branch, per day.
  3. ELIGIBILITY: The Drive In & Cruise Away Sweepstakes ("sweepstakes") is open to all accountholders of South Florida Educational Federal Credit Union who are 18 or older at the time of entry. The sweepstakes is subject to all applicable federal, state, and local laws.
  4. RANDOM DRAWING: The winner will be selected from among all valid entries via a random drawing to be conducted on September 10th, 2018 at 5:00 p.m. ET. The drawing will be conducted at the South Florida Educational Federal Credit Union office located at: 7800 SW 117th Ave, Miami, FL 33183. The Administrator, whose decisions are final and bonding in all matters, will conduct the drawing. Odds of winning depend on the number of valid entries received. The potential winner will be notified via email and phone at the address and number provided on the entry form. If the prize or prize notification is returned as unclaimed or undeliverable to the potential winner, if the potential winner cannot be reached within 48 hours from the first notification attempt, if the potential recipient fails to complete all required claim procedures within the specified time period, or if a potential recipient is not in compliance with these Official Rules, then such a person shall be disqualified and an alternate winner may be selected.
  5. PRIZE: One winner will receive a Norwegian Cruise Line gift card valued at $1,000 (USD).

    All taxes, if any, and all other costs associated with the acceptance and redemption of the above prize are the sole responsibility of the applicable winner. Sponsor is the source of funds for the prize.

  6. RELEASE OF LIABILITY AND PUBLICITY: The prize winner must consent to the use of their name, photographs, likeness, and limited biographical information for publicity and advertising purposes without further compensation, where permitted by law. All Entrants release the Sponsor and Administrator, as well as their officers, directors, employees, members, and all others associated with the development and execution of this sweepstakes (collectively, the "Released Parties") from any liability with respect to, or in any way arising from, this sweepstakes and/or acceptance or use of the prize, including liability for personal injury, damages, death or monetary loss.
  7. GENERAL RULES: The Released Parties are not responsible for lost, illegible, late, or for any error in the printing or interpretation of the offer, the administration of the sweepstakes, or in any announcement of the winner or prize. In no event will the Sponsor be liable for more than the stated prize in Rule 5. The prize is non-refundable and non-transferable except at the sole discretion of the Sponsor. The Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be tampering with the entry process or the operation of the sweepstakes, to be acting in violation of the Rules or any laws, or to be attempting to undermine the legitimate operation of the sweepstakes by cheating, hacking, deception, misappropriation, infringement, or any other unfair playing practices, poor sportsmanship, or intending to annoy, abuse, threaten, or harass any other participants or Sponsor representatives. CAUTION: ANY ATTEMPT TO DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS AND WILL RESULT IN DISQUALIFICATION FROM PARTICIPATION IN THE SWEEPSTAKES. SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSOR RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY FEES) TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.
  8. USE OF DATA: Sponsor will be collecting personal data about Entrants including e-mail addresses and telephone numbers in accordance with its Privacy Policy. Please review the Sponsor's Privacy Policy. By participating in the sweepstakes and providing your e-mail address and telephone number, Entrants hereby agree to Sponsor's collection and usage of their personal information and acknowledge that they have read and accepted the Sponsor's Privacy Policy.
  9. DISPUTES: Except where prohibited, Entrants agree that any and all disputes, claims and causes of action arising out of, or connected with, the Sweepstakes or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in the State of Florida. All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, your rights and obligations, or the rights and obligations of Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of Florida, without giving effect to any choice of law or conflict of law rules (whether of the State of Florida or any other jurisdiction) which would cause the application of the laws or any jurisdiction other than the State of Florida.

    ANNOUNCEMENT OF WINNER: For the name of the winner, please send a self-addressed, stamped business size envelope by September 10th, 2018, to: South Florida Educational Federal Credit Union, 7800 SW 117th Ave, Miami, FL 33183.