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
- 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.
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.
Rates
| Auto Loan | ||
| Year | Term | APR as low as |
| 2021 and newer | 36 Months | 4.84% |
| 2015 - 2020 | 60 Months | 4.94% |
(1) APR is the Annual Percentage Rate. Rates listed are effective January 9, 2023 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.
