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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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    Members Cooperative Credit Union Go to main content

    Online Banking



    There are countless reasons to borrow. Fortunately, there’s an MCCU personal loan product that’s just right for your unique situation. Find great loan rates and tons of options to make borrowing work for you!


    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

    Find out about our Drive & Save loan that can make that new vehicle more affordable!

    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: 218-625-8500 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. 


    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%

    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.

    MCCU's AutoSmart Resource Center

    Do it all, seamlessly. Shop and compare new or used vehicles, research values, and finance your vehicle, with our super-convenient AutoSMART Resource Center. Here you can:

    • Find a new or used vehicle
    • Compare models
    • Get the best rates available from MCCU
    • Negotiate the best deals with online tools
    • Determine financing options with online calculators
    • Locate dealers committed to giving you the best price
    • Access auto research articles
    • Check the value of your trade-in
    • Fund your MCCU loan at participating dealerships
    • And so much more!

    Take it for a test drive and search vehicles for sale near you.

    AutoSmart Resource Center



    Vehicle Extended Warranties: Route 66 Warranties

    More than just auto loans- get an auto warranty at MCCU, too!

    Great standard features like emergency roadside assistance, $0 deductibles on all plans, a free 30-day trial, rental car allowances, open enrollment (at vehicle purchase, during refinance or debt consolidation, or for vehicles financed through other lenders), service shop provider flexibility, and competitive rates. Warranty is transferable to a new owner.

    Three levels of coverage. The Easy Street Plan provides "factory-like" coverage. The Main Street option provides "listed component coverage"; and the First Street Plan includes "powertrain" coverage. Each plan option offers additional unique benefits, some of which include battery coverage, total loss and factory deductible refunds, and coverage to 100,000 miles.

    For more information, visit an MCCU location.

    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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