About MCU

Spring Auto Loan Sale!

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 $3,106** off MSRP on new vehicles!

Start Searching

MCU’s Car Buying Service is provided by TRUECar. MCU is not responsible for, nor makes any representations or warranties as to, TRUECar’s products and services, its claims or its website content. TRUECar operates its program and information website (which features pricing performance, technical and safety data available for new and used vehicles) totally independent of MCU. Also, each certified dealer sets its own pricing and will confirm actual vehicle availability from in-stock inventory. Finally, please be aware that TRUECar’s website may have privacy and information security policies that are different than those of MCU.

* APR = Annual Percentage Rate. Subject to credit approval. These rates are available to well-qualified borrowers who purchase through the MCU Car Buying Service from a certified TRUECar© dealer. Some applicants will qualify at higher rates as determined by their creditworthiness. For model years 2017-2016 vehicles purchased using the MCU Car Buying Service from a certified TRUECar© dealer, your payments will consist of 60 monthly payments of $17.09 on each $1,000 borrowed at 0.99% APR. For well qualified applicants purchasing model years 2017-2016 vehicles without using the MCU Car Buying Service, your payments will consist of 60 monthly payments of $17.29 on each $1,000 borrowed at 1.45% APR. These rates are available when payroll deduction or direct deposit is selected as the method of repayment. Annual percentage rates are .50% higher if payroll deduction or direct deposit is not chosen as a method of repayment. Annual percentage will increase by .50% after consummation if automatic payroll deduction or direct deposit is cancelled. Competitive rates available for older models and refinances. Offer valid from 03/20/2017- 03/31/2017. Some restrictions may apply. Rates and terms are subject to change without notice. Membership required.

**$3,106 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