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Auto Loans

Get ready to roll

With easy applications, great rates, and flexible options, it's easy to purchase or refinance with us.


Competitive rates

Competitive rates and terms up to 84 months.1


EcoDriveTM auto loans

Get a reduced interest rate on an eco-friendly vehicle purchase.2



Shop for your next ride on AutoSMART.3


GAP protection

If you total your vehicle, we'll cover the difference between what you owe and your current vehicle value.4


Loan protection

Protect yourself and your family with our loan protection services.5


Extended warranty

Avoid costly vehicle breakdowns with an extended warranty.6

Today's rates

View more rates

36 months

As low as % APR7

Calculate your monthly payment8

Monthly Payment

Competitive Rates

Affordable payments

With competitive rates and flexible terms up to 84 months, it's easy to get a monthly payment that works for you.

Family and their dog in the car ready for a vaction
Loan Protection

We've got you covered

Our loan protection, extended warranties (mechanical breakdown protection), and GAP protection ensure you're covered if you run into issues.

Woman smiling out of a car window in the mountains
Vehicle Selection

Hassle-free shopping

Shop new or used vehicles, check values, and get financing through our AutoSMART resource center. You can also get our great in-house rates with our preferred dealer partners .

Father and daughter wash the car

Best place to bank at. The staff is super nice and actually helped save us money.

— Google Review

How it works

It's easy to get an auto loan.

  • 1

    Submit an application

    Complete an online application in just minutes.

  • 2

    Get approved

    We'll crunch the numbers and let you know if you're approved.

  • 3

    Buy your vehicle

    Use the funds to purchase your next vehicle.

Apply now

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 218-625-8800

Your new vehicle, fast and easy


With our competitive rates, flexible terms, and loan protection options, you can get the ride you need without hitting the brakes.


Apply now

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1 Example terms of repayment: 84-month loan at 6.14% APR would result in monthly payments at $14.68 per $1,000 borrowed.
2 EcoDrive loans are generally available for any SMARTway.
3 When accessing AutoSMART you are leaving the Members website. Members does not endorse or guarantee AutoSMART products, information, recommendations or security.
4 GAP protection is provided by Allied Solutions LLC and is subject to their eligibility requirements, terms and conditions.
5 Debt protection is provided by Allied Solutions LLC and is subject to their eligibility requirements, terms and conditions.
6 Extended warranty products are protection is provided by Allied Solutions LLC and are subject to their eligibility requirements, terms and conditions.
7 APR is the Annual Percentage Rate. The stated APR is effective as of June 12, 2024. Rates listed are the lowest possible rates and require automatic payments (without auto pay the APR will be 0.25% higher). Rates may be higher based on a number of factors such as credit history, term length, etc. Rates, terms and conditions may change at any time.
8 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.
Membership and loan approval required.

Video Banking

Juneteenth Holiday Closure All offices will be closed Wed., 6/19, for Juneteenth. β€―ATMs, mobile services, and online banking are available 24/7. View all our holiday closures.