Auto loans for new and used cars and trucks

Apply online today to finance new, used and classic vehicles to fit your lifestyle.

Apply online for an auto loan 

  • Use this auto loan calculator to plot your monthly car loan payment and consider purchase prices. Graphs show you different loan terms, down payments or monthly payments.

  • Find cars online and compare options. Want to "kick the tires" on vehicles without leaving home? Use this excellent car-finding tool to search for and locate vehicles, check details, then apply for a loan and see our preferred dealer list.

Auto loan rates, fees and disclosures

Auto loan rates
Effective Date: Tuesday, January 18th, 2022
Vehicle typeAPR (Low)*APR (High)Repayment terms
New auto (2021 - 2022) 2.99% 16.24% Up to 72 months
New auto (2021 - 2022) 3.49% 16.49% 73-84 months
Used auto (2007-2020) 3.24% 16.74% Up to 72 months
Used auto (2007-2020) 3.74% 16.99% 73-84 months
Classic used auto 3.24% 16.74% Up to 60 months

* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.

The following examples illustrate the expected monthly loan payments for members who qualify for the prime rate, premier member merit status and enroll in automatic monthly payments:

  • A $10,000 new auto loan with a 60 month repayment term will have a 3.24% APR and a monthly payment of $180.76.
  • A $20,000 used auto loan with a repayment term of 84 months will have a 3.74% APR and a monthly payment of $270.99.
  • If you delete your automatic payment request, or the credit union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-quarter of one percent (0.25%) for the remaining term of the loan. This rate change will be reflected on your credit union statement.

We may offer other rates in the future. We may be able to match rates from other lenders. All loans are subject to approval.

Apply online for an auto loan

Money-saving options boost your car-purchasing power

  • Competitive rates:
    • A new auto loan for a vehicle from the current or previous model years offers fixed rates with terms up to 84 months.

    • A used auto loan for vehicles up to 15 years old has fixed rates and terms up to 84 months.

    • A classic used auto loan also offers fixed rates and terms up to 60 months.

    • Reduced rate optons include a 0.25% APR (Annual Percentage Rate) reduction by maintaining an automatic loan payment each month, or a 0.25% APR reduction for qualifying for the Premier Member Merits category.
  • Low-to-no fees is how we do auto loans. We’re a not-for-profit credit union focused on members, not stock holders.

  • Local decision making fuels our auto loan decisions for all the communities we serve.

  • Personal service is how we've been serving members since 1954. That's a lot of car loans and other services geared just for our members.

  • Be informed: Can you afford a 0% interest auto loan?. You’ve seen auto dealers offering 0% interest on car loans, and maybe you’ve wondered how they can afford to make that offer. It’s simple: very few people actually qualify for the 0%.

Apply online for an auto loan

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