New & Used Car & Truck Loans

If you want the best rates and terms possible on new or used car financing, borrow from the Credit Union. That makes sense when you think about it! The Credit Union is a cooperative, not-for-profit lending institution whose only responsibility is to you and your fellow Members. Car dealers, banks and finance companies do not share the same philosophical commitment to providing loans at the lowest interest rates possible.

Compare for yourself. But, when comparing, keep several things in mind. Know that cut-rate financing you see advertised by car manufacturers usually comes with a higher price tag on the car and a very short pay back period. Some dealers may try to underpay for your trade to make-up the expenses of cut-rate financing. Or, they may stretch-out the pay back period longer than necessary, causing you to pay thousands of dollars extra in interest. Have your Auto Loan Preapproved and then go shopping with the clout of cash in your pocket. You’ll almost certainly be in a better bargaining position to negotiate a lower price. And, when you’re not dependent on manufacturer financing incentives, you’ll be eligible for all discounts and factory rebates (which are usually offered in lieu of cut-rate incentives). You’ll also have an unlimited selection of makes and models to choose from. Dealer financing incentives are always limited to select cars, usually the slow-movers.

Borrow up to 100% of the cost of a new or used vehicle. Take up to 7 years to repay. Refinance cars at new car rates and terms.

Begin online through our Vehicle Finance Center.