Get ready to roll
With easy applications, great rates, and flexible options, it's easy to purchase or refinance with us.
Competitive rates
Competitive rates and terms up to 96 months.1
EcoDriveTM auto loans
Get a reduced interest rate on an eco-friendly vehicle purchase.2
AutoSMART
Shop for your next ride on AutoSMART.3
GAP protection
If you total your vehicle, we'll cover the difference between what you owe and your current vehicle value.4
Loan protection
Protect yourself and your family with our loan protection services.5
Extended warranty
Avoid costly vehicle breakdowns with an extended warranty.6
Today's rates
View more rates36 months
As low as % APR7Calculate your monthly payment8
Monthly Payment
Affordable payments
With competitive rates and flexible terms up to 96 months, it's easy to get a monthly payment that works for you.
We've got you covered
Our loan protection, extended warranties (mechanical breakdown protection), and GAP protection ensure you're covered if you run into issues.
Hassle-free shopping
Shop new or used vehicles, check values, and get financing through our AutoSMART resource center. You can also get our great in-house rates with our preferred dealer partners .
Best place to bank at. The staff is super nice and actually helped save us money.
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1
Submit an application
Complete an online application in just minutes.
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2
Get approved
We'll crunch the numbers and let you know if you're approved.
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3
Buy your vehicle
Use the funds to purchase your next vehicle.
Have questions? We're here to help!
Your new vehicle, fast and easy
With our competitive rates, flexible terms, and loan protection options, you can get the ride you need without hitting the brakes.
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Disclosures
1 Example terms of repayment: 96-month loan at 6.64% APR would result in monthly payments at $13.46 per $1,000 borrowed.
2 EcoDrive loans are generally available for any SMARTway.
3 When accessing AutoSMART you are leaving the Members website. Members does not endorse or guarantee AutoSMART products, information, recommendations or security.
4 GAP protection is provided by Allied Solutions LLC and is subject to their eligibility requirements, terms and conditions.
5 Debt protection is provided by Allied Solutions LLC and is subject to their eligibility requirements, terms and conditions.
6 Extended warranty products are protection is provided by Allied Solutions LLC and are subject to their eligibility requirements, terms and conditions.
7 APR is the Annual Percentage Rate. The stated APR is effective as of November 21, 2024. 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, term length, etc. Rates, terms and conditions may change at any time.
8 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.
Membership and loan approval required.
Rates
| Year | Term | APR as low as | Payment example per $1,000 borrowed |
|---|---|---|---|
|
2022 and newer |
36 months |
5.84 |
$30.35 |
|
2022 and newer |
60 months |
5.94 |
$19.30 |
|
2022 and newer |
72 months |
6.04 |
$16.59 |
|
2022 and newer |
84 months |
6.14 |
$14.68 |
|
2022 and newer |
96 months |
6.64 |
$13.46 |
|
2016 - 2021 |
60 months |
5.94 |
$19.30 |
|
2016 - 2021 |
72 months |
6.44 |
$16.78 |
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