Vehicle Loans

We offer the following loan types:

  • New & used automobiles. (SAME LOW RATE!)

  • New & used trucks. (SAME LOW RATE!)

  • New & used recreational vehicles. (SAME LOW RATE!)

Discounted extended warranties are available on new and used automobiles/trucks, and we have a great automobile/truck re-financing program.

Credit Rebuilding Auto Loan

Don't have perfect credit? Your credit union has a unique vehicle loan to help you rebuild your credit. The maximum term is 60 months and the maximum amount is $12,000.00. Please apply online, come by or call your local branch office to get pre-approved today!

Guaranteed Asset Protection - Plus

Unfortunately, things don’t always go according to plan. If a member's vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, auto insurance will cover the replacement value. However, the member remains liable for payment of the difference between the insurance settlement and the remaining loan balance. This deficiency can sometimes amount to thousands of dollars.

GAP Protection is an affordable way to fill the gap. For just a few dollars per month, our members can protect themselves against this kind of unexpected expense.

Advantages for members:

  • Protect members from an unexpected financial loss.

  • Helps maintain the member's credit rating.

  • Affordable coverage (Much less than at the dealership!).

  • Auto dealerships charge $800.00 or more.

  • If financing next vehicle with the credit union, member receives $1,000.00 to put down on the next vehicle.

  • Premium is built into loan term and does NOT increase monthly payment.

Call your local branch today for details on this outstanding opportunity!

Route 66 Mechanical Repair Coverage

Mechanical Repair Coverage offers our members competitively priced and flexible protection from unexpected vehicle repairs after the manufacturer's warranty expires.

Advantages for our members:

  • A choice of protection levels, with various deductible options and term/mileage plans.

  • Hassle-free claim payments made directly to licensed repair facilities in the U.S. and Canada.

  • Coverage may be transferred if the vehicle is sold to a private party or canceled at any time on a pro-rata basis.

  • Premium is built into loan term NOT increasing monthly payment.

Call your local branch today for details on this outstanding opportunity!

Dealer 0% financing? - Make sure you consider all the facts

Some automobile dealers are once again promoting their 0% financing deals. Before you obligate yourself to a deal that you might regret, we want you to understand that a 0% deal may not always be in your best interest.

Consider all the facts:

  • Once on the lot, many buyers will find out that they don’t qualify for the dealers lowest rates.

  • The dealer 0% is almost always available only on a short term of 12 to 24 months repayment period.

  • Such a short repayment period will make your monthly payments extremely large.

  • The 0% rate is usually offered as an alternative to a large rebate.

Frequently, taking the rebate and lowering the principle amount you need to borrow has a greater impact on reducing your monthly payments.

  • Pre-payment penalties are common and a large down payment is often required.

  • The 0% is normally applied to slower selling dealer stock vehicles. Many of which tend to have a lower resale value.

  • As a result, the dealers are usually unwilling to negotiate the sale price and you may be required to pay for unwanted options that add to the overall expense.

Come see your credit union for the financing of your next vehicle and give yourself the option to choose which car, truck or van you would like. Call or come by today to get pre-approved at our new low rates!