Products & Services

Auto Center

Looking to buy a new or used car, or to refinance your current auto loan? MCU offers members the products to help you buy, refinance, or insure your car.

Whether you’re looking to buy a new or used car, MCU has the loan* to fit your borrowing needs.

Features & Benefits:

  • Low interest rates and flexible terms
  • Up to 125% financing available
  • Pre-approved financing available
  • Rate is locked in for up to 30 days while member shops for car
  • No down payment for qualified borrowers
  • Low cost payment protection plan (Disability and Credit Life Insurance)
  • Guaranteed Asset Protection Insurance (GAP) available
  • Direct Deposit or Automatic Payroll Deduction for payments
  • Used vehicles must have less than 100,000 miles

* MCU only finances vehicles purchased from a car dealer. We do not offer financing for private sales, individual sales or lease buyouts.

Apply Now


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!

Here’s How it Works:

  • SEE what others paid for the new car you want or see used car market values powered by ClearBook®
  • GET a new car Guaranteed Savings Certificate or used vehicle Price Certificate
  • SAVE time and money with a pre-approved MCU Auto Loan and a hassle free deal


  • Get pre-approved - Shop with the confidence of a cash buyer with your 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 *


  • Consumers have saved an average of $3,279 off MSRP on new vehicles**
  • A certified dealer network provides a simple, hassle-free buying experience
  • See what others in your area paid for the same car you want

*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. Certain restrictions may apply. For model years 2016-2015, your payments will consist of 60 monthly payments of $17.29 on each $1,000 borrowed at 1.45% APR. For model year 2014, your payments will consist of 60 monthly payments of $17.47 on each $1,000 borrowed at 1.85%. APR. APR = Annual Percentage Rate. Best rate available when combined with TRUECar certificate (.50% APR discount) and Auto-Pay (.50% APR discount) when direct deposit or automatic payroll deduction is utilized as the method of loan repayment. Annual percentage rates for auto loans will increase by .50% after consummation if automatic payroll deduction or direct deposit is cancelled. Late payment fee: $25.00. Membership is required.

**$3,279 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.

MCU partners with Enterprise Car Sales to offer members great deals on their next vehicle purchase. Members can purchase a used car from Enterprise and finance it through MCU.

All Enterprise Used Car Sales vehicles come with the following:

  • Haggle Free Buying
  • 12-Month/12,000 mile limited Powertrain warranty1
  • Vehicle Inspection
  • 12 –Month Roadside Assistance2
  • Free CARFAX® Report
  • 7-Day Repurchase Agreement3

Search the Enterprise Used Car Sales Inventory.

Search Now

MCU Auto Loans:

  • Up to 125% financing available
  • Low interest rates
  • Flexible terms
Apply Now
  1. 1 Restrictions apply. For details see an Enterprise Car Sales Manager.
  2. 2 Enterprise 12-Month Unlimited Mileage Roadside Assistance Program is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada.
  3. 3 Restrictions apply. For details see an Enterprise Car Sales Manager.

Pay off your current auto loan with a new auto loan from MCU

Features & Benefits

  • Loan must be refinanced from another financial institution
  • Vehicle must have less than 100,000 miles
  • You must be the registered owner and the existing loan must be in your name
  • No application fee
  • No prepayment penalty

Please have the following ready when you apply online:

  • Registration to verify the VIN
  • Insurance card
  • 10 day payoff letter from your current finance company (the payoff is your loan amount)
  • NY State Title to verify the title number (NY State only)
Apply Now

TruStage™ Auto & Home Insurance Program

Get your free quote today or call 1-855-483-2149.

Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.MAH-1112-7C9E

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

Guaranteed Asset Protection (GAP) Insurance

GAP insurance is a way to protect your auto loan. Many times when a car is declared a “total loss” after being stolen or totaled in an accident or natural disaster, you may owe more than your car is worth. GAP insurance helps cancel the difference between the primary insurance settlement and what you might still owe on the loan.

How Does Gap Insurance Work?

  • It is available to MCU members for a small fee of $78.
  • The fee can be included with your monthly payments or made separately through a single payment.
  • If there is a difference between what you owe on your loan and the value of your vehicle, GAP will help pay the difference based on the terms of your member agreement.
  • It can be purchased for an existing auto loan.
  • You can cancel GAP within 90 days for a full refund.
  • Any payments on your vehicle loan that are past due at the time of loss, as well as the member’s deductible amount on the loan, are not covered.

Call 1-800-LOAN-MCU or visit your local branch to find out more about adding GAP to your auto loan today.

Guaranteed Asset Protection (GAP) insurance is offered through Member’s Choice™

New Cars (2016 - 2015) up to 60 Months1.45%
Pre Owned (2014) up to 60 Months1.85%
Auto Refinance (2016 - 2015) Up to 60 months1.95%

Visit our Rates page for more information

  • ncua
  • home
  • verified
  • norton
  • youtube facebook twitter

Routing Transit Number: 226078036

  • youtube facebook twitter

Routing Transit Number: 226078036