The 705 Federal Credit Union is a auto loan from 705 Federal Credit Union. Loan terms: New: 36, 48, 60, 72*, and 84* months (72 months minimum $25,000 financed; 84 months minimum $40,000); pre-owned: up to $5,000 36 months, up to $10,000 48 months, up to $15,000 60 months, up to $25,000 72 months.