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    • Use the form below to contact us directly for general questions or to provide feedback. Please do not include member numbers or account numbers. If your need is urgent, we invite you to contact us by phone at: 800-296-8871 or stop by any of our office locations.

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    Drive & Save Auto Loan

    DRIVE Like You Want To, SAVE Like You Need To.

    Want low payments like a lease, with the benefits of ownership? Our Drive & Save Auto Loan offers payments that can be remarkably lower than conventional financing, with great flexibility.

    Apply for a Drive & Save Auto Loan

    Drive & Save features and benefits make this a super-smart option:

    • Lower monthly payments than conventional financing*
    • Terms range from 24 months - 72 months 
    • Available for new and preowned vehicles up to 5 years old 
    • NO application fee 
    • NO security deposit 
    • NO up front first or last payment 
    • Option to sell, trade, or refinance vehicle anytime 
    • Choice of returning the vehicle at loan maturity 
    • Mileage options of 12,000, 15,000 or 18,000 per year available**
    • You own the vehicle 
    • No early payoff penalty

    Find out how low your monthly Drive & Save Auto Loan payment could be with our Drive & Save Calculator. Here you can build your dream vehicle and compare the low Drive & Save Auto Loan payments to what you would pay on a conventional auto loan.

    You can finance through MCCU with any of these easy options:

    • Apply now with our online application.
    • Call us at: 218-625-8500 to apply over the phone.
    • Use our convenient Video banking service to apply. 
    • Visit us in- branch! Click here to schedule an appointment.
    • Take advantage of one of our dealer partner relationships for on-site financing. Just mention that you’re an MCCU member and would like to finance through MCCU. 

    *Comparison based on same length term. ** Excess mileage and wear and tear fees may apply. Down payment may be required and collateral requirements apply. This is a balloon lending program. MCCU membership and loan approval required.


    Drive & Save Rates1,2

    Drive & Save Auto Loan
    NameTermAPR as low as
    2019 and newer vehicles 36 Months 3.04%
    2016 and newer vehicles 60 Months 3.14%

    (1) APR is the Annual Percentage Rate. Rates are effective May 26, 2021 and are subject to change.
    (2) Rates listed are the lowest possible rates. Rates may be higher depending on credit history, down payment, collateral, loan amount and term length. Subject to loan approval. Rates, terms and conditions may change at any time. MCCU membership is required. The above rates are set with the expectation that payments will be set up on automatic withdrawal from an MCCU depository account. Add .25% to loan rates that are not set up with automatic withdrawal.

    Patriot Act: Important Information About Procedures for Opening a New Account

    To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

    What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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