LOANS & APPLICATIONS
AUTO LOANS
We provide competitive financing options for both new and used vehicles, whether you’re purchasing from a private seller or a dealership. Our offerings include our own GAP and Mechanical Breakdown Insurance, which are applicable to all auto loans and can be financed or paid separately. We are committed to offering the best rates possible, bring us your approval with your name and the rate, and we’ll match or beat it! Approval remains valid for 90 calendar days.
- 1% discount for FICO scores above 730
- 1% discount for electric/hybrid vehicles
New Vehicle Loans
Looking for a vehicle and need an auto loan? We’re here to assist! Get pre-approved today by submitting a loan application with the maximum amount you plan to spend.
- Terms range from 48 to 72 months
- Received a better offer elsewhere? Let us try to match or even beat that rate!
- Pre-approval letter available upon request
Used Vehicle Loans
Searching for a used vehicle and need financing? We provide financing for vehicles that are up to 10 years old, are fewer than 100,000 miles, and fall within Kelley Blue Book Value. Get started by submitting a loan application today!
- Terms range from 6 to 72 months
- Received a better offer elsewhere? Let us try to match or even beat that rate!
- Pre-approval letter available upon request
Auto Refinance
Looking to reduce your interest rate or lower your monthly car payments? Consider applying for an auto refinance with us today and start saving money! We offer competitive low rates and promise to match or beat your current rate. To qualify, your vehicle should meet our guidelines: it must be up to 10 years old, have less than 100,000 miles, and fall within Kelley Blue Book Value.
- Refi Promo: Get $100 & Skip 2 Payments!
Title Loans
Do you need some extra cash and have your vehicle’s title? Apply for a title loan today! Submit the loan application with the registration and current mileage. Vehicle guidelines: up to 10 years old and less than 100,000 miles. The vehicle title must be surrendered to the Credit Union prior to funding the loan and will be returned once the loan is paid off.
Motorcycle Loans
We provide financing options for both new and used motorcycles.
Our motorcycle loan rates align with those of our auto loans and adhere to the same guidelines and rate discount structures.
RV & Watercraft Loans
Financing is available for new watercraft vehicles and for RVs up to 3 years old.
GAP Insurance & Extended Warranty
When buying a vehicle, ensure you’re fully covered with GAP Insurance, which protects you if your car is totaled and the insurance payout falls short of your loan balance. For a flat rate of $399, this coverage bridges the gap, providing peace of mind. Additionally, we offer a $1000 GAP Advantage: if you suffer a total loss and finance your next vehicle with us within 90 days, we’ll handle the claim and inform you once the deposit is made. Our goal is to make your vehicle financing experience smooth and stress-free.
Extended warranties, also known as Mechanical Breakdown Insurance (MBI), can be financed with your vehicle loan at the time of purchase or refinance—this is the only opportunity to include it in your monthly payments. Dealerships also offer these warranties directly, and we recommend obtaining a quote from them, especially for luxury or used vehicles, to compare costs and coverage options that best suit your needs. We will provide a quote once we receive the vehicle details, as the cost depends on the specific vehicle. Please refer to the pamphlet below for information on included and additional coverages.
If you decide not to opt for the warranty or MBI at the time of signing your loan contract, you still have the option to purchase it later. Please note that the cost may vary, and the product will need to be paid in full at that time.
**GAP & MBI can only be added to the monthly payments at the beginning of the loan when you sign for it. These products can always be purchased separately.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government Agency National Credit Union Administration, a U.S. Government Agency.