About MCU

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Save time and money on your next car purchase with the MCU Car Buying Service, powered by TRUECar. Through the MCU Car Buying Service, you can research thousands of vehicles and see what others have paid. You’ll enjoy haggle-free guaranteed pricing and savings.

Get Pre-Approved for an MCU Auto Loan and Save Even More!

Apply Today
  • Get Pre-Approved - Shop with the confidence of a cash buyer with a VIP Check
  • VIP Check – Before you visit a dealer contact MCU for a VIP Check auto draft. If you qualify, MCU will give you a vehicle purchase check up to your pre-approval amount. When you visit a dealer with a VIP Check in-hand, you’ll be in a better position to negotiate.
  • Competitive Financing – New and Used Cars: borrow the full amount of bill of sale, or NADA average retail price including tax, title, tag, extended warranty and any loan balance on your trade-in

You’re ensured a simple, no-hassle experience with low, upfront pricing in writing and an average savings of $3,078** off MSRP on new vehicles!

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*APR = Annual Percentage Rate. Subject to credit approval. Other restrictions may apply. Rates may be higher based on applicant's credit worthiness. Rates and terms are subject to change without notice. These rates are available to well-qualified borrowers who purchase through the MCU Car Buying Service powered by TRUECar. Some applicants will qualify at higher rates as determined by creditworthiness. For model year 2015 vehicles purchased using the MCU Car Buying Service powered by TRUECar, your payments will consist of 60 monthly payments of $17.09 on each $1,000 borrowed at 0.99% APR. For model years 2015-2014, your payments will consist of 60 monthly payments of $17.29 on each $1,000 borrowed at 1.45% APR. For model year 2013, your payments will consist of 60 monthly payments of $17.51 on each $1,000 borrowed at 1.95% APR. Some restrictions apply. These rates apply when payroll deduction or direct deposit is selected as the method of repayment. Rates will increase after closing if you stop paying your loan by automatic payroll deduction or direct deposit. Rates subject to change without notice. Competitive rates available for older models and refinances. Membership required.

**$3,078 Average Savings represents the average amount of savings off of MSRP presented to users by Certified Dealers based on user-configured new vehicles as calculated by TRUECar. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable manufacturer incentives. The Manufacturer’s Suggested Retail Price (“MSRP”) is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Your actual purchase price is negotiated between you and the dealer.

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Routing Transit Number: 226078036

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Routing Transit Number: 226078036