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    PERSONAL LOANS

    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!

    AUTO LOANS

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

    New! 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
    • Terms up to 84 months
    • 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

     

     

    Drive & Save

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

    • Lower monthly payments than traditional financing
    • Terms from 24 - 72 months 
    • 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

    Apply Online for an auto loan


    Click Here for Online Payments


    Auto Loan Rates

    Traditional Auto Loan Rates1,2

    Traditional Auto Loan
    NameAPR as low as
    Loan secured by new/used 2017 and newer vehicles 3.74%
    Loan secured by used vehicle 2014-2016 3.74%
    Loan secured by used vehicle 2011-2013 3.74%
    Loan secured by used vehicle 2009-2010 5.24%

    Drive & Save Rates1,2

    Drive & Save Auto Loan
    NameAPR as low as
    2017 and newer vehicles 4.24%
    2014-2016 vehicles 4.24%

    (1) APR is the Annual Percentage Rate. Rates are effective May 29, 2019 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.

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