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Contact Us

    • 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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    Members Cooperative Credit Union Go to main content

    Online Banking


    Auto Loans

    Traditional Auto Loan
    Drive & Save Auto Loan Auto Refinance

    Traditional Auto Loan

    Get the funds to get going with an MCCU auto loan. Get pre-approved for that fun or fundamental purchase.

    Apply for a new or used Auto Loan

    Traditional Financing

    Conventional auto loans with great features.

    • Competitive interest rates
    • GAP insurance and mechanical breakdown protection available
    • Life insurance and debt protection available
    • A .25% interest rate discount when you have payments automatically deducted from an MCCU account

    EcoDriveTM  Financing 

    EcoDriveTM auto loans: the smart way to purchase a SmartWay vehicle.

    • All the features of a traditional auto loan, plus:
    • A .25% interest rate discount when financing a SmartWay vehicle

    For more information on SmartWay vehicles, click here

    Drive & Save

    Low payments like a lease, with the benefits of ownership.

    • Lower monthly payments than traditional financing
    • Available for vehicle models up to 5 years old from current year
    • 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 
    • GAP insurance and mechanical breakdown protection available
    • Life insurance and debt protection available




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

    • Apply now with our online application.
    • Call us at: 218-625-8800 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. 


    Traditional Auto Loan Rates1,2

    Traditional Auto Loan
    NameTermAPR as low as
    2019 and newer vehicles 36 Months 2.54%
    2013 and newer vehicles 60 Months 2.64%

    (1) APR is the Annual Percentage Rate. Rates listed are effective May 26, 2021 and are subject to change. 
    (2) 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, loan to value, collateral, term length, etc. Rates, terms and conditions may change at any time. Subject to loan approval. MCCU membership required. 

    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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    NCUAEqual Housing Lender

    This credit union is federally insured by the National Credit Union Administration. We do business in accordance with the federal Fair Housing Act and Equal Credit Opportunity Act.

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