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.

Use the "Check App Status" button to check on the status of your application, view messages or submit documents

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
  • 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)
  • GAP coverage available
  • Set up convenient Automatic Transfers for payments
  • Used vehicles must have less than 100,000 miles

*MCU will only finance vehicles purchased from franchise car dealers or the following independent dealers; TRUECar® Certified Dealers, Carvana®, CarMax® or Hertz Car Sales®. Franchise dealers sell new and used cars for auto manufacturers such as Ford®, General Motors®, Chrysler®, Honda® and others.

Apply Now

FAST Pre-Approval

Find a NEW Car
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Find a USED Car
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You can also start searching for a car by clicking here!

See How It Works

It's easy as 1,2,3


1. Get

Pre-arranged, no-hassle financing with MCU

2. Research &
Compare Prices

See what others paid for the car you want

3. Buy with

Visit the certified dealership with your guaranteed savings certificate.

Benefits of the MCU Car Buying Service**

Easy Loan Application Process

Complete your pre-approval online, get a quick response from application to closing. With MCU eSign, there is no need to visit a branch.

Get Member Savings

Enjoy a simple, no-hassle experience with low, upfront pricing in writing and an average savings of $2,471*** off MSRP on new vehicles.

*APR - Annual Percentage Rate. .50% Automatic payment discount applied to all APRs shown. Rates will increase by .50% if automatic payment enrollment is cancelled. Rates may be higher based on applicant's creditworthiness, auto model year, loan term, loan amount and method of repayment. Rates and terms are subject to change without notice. Lien placed on vehicle. Certain restrictions apply. Minimum loan amount of $8,000 for terms up to 72 months. Minimum loan amount of $30,000 for 84 month term. Late payment fee: $25.00. MCU membership is required. APR shown reflects both the .50% Automatic Payment discount and the .25% APR discount for purchasing through the MCU Car Buying Service provided by TRUECar®. MCU will only finance vehicles purchased from franchise car dealers or the following independent dealers; TRUECar® Certified Dealers, Carvana®, CarMax® or Hertz Car Sales®

**MCU 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. MCU disclaims any responsibility for the content and accessibility of the third party website you are about to access. MCU does not have the ability nor any right to change or affect the content and accessibility of the third party website you are about to access.

***Between 1/1/20 and 12/31/20, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through the Municipal Credit Union Auto Buying Program and who were identified as buying a new vehicle from that Certified Dealer was $2,471. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The 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 many vehicles are sold below MSRP. Each dealer sets its own pricing.

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
  • Vehicle cannot be registered as a taxi or used as a taxi, Uber, Lyft, etc.
  • 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)

GAP coverage 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 coverage helps cancel the difference between the primary insurance settlement and what you might still owe on the loan.

How Does GAP Work?

  • It is available to MCU members for a low fee of $299.
  • The fee can be included when you finance your vehicle for one low monthly payment or purchased separately through a single payment.
  • If there is a difference between what you owe on your loan and the value of your vehicle, GAP may help pay the difference based on the terms of your member agreement.
  • It can be purchased for an existing auto loan for as long as you have the loan.
  • You can cancel GAP within 60 days of original purchase date for a full refund.
  • Any payments on your vehicle loan that are up to 90 days past due at the time of loss are covered (minus any late charges).

Call 212-693-4900 or visit your local branch to find out more about adding GAP to your auto loan today.

Important Disclosures Regarding the Program: (1) This product is optional. GAP is a loan/lease deficiency waiver and is not offered as insurance coverage. Whether or not you purchase GAP will not affect your application for credit or the terms of any existing credit agreement you have with us. (2) We will give you additional information before you are required to pay for the program. This information will include your cost and a copy of the contract, containing the terms and conditions of the program. (3) There are eligibility requirements, conditions, limitations and exclusions that could prevent you from receiving benefits under the program. You should carefully read the GAP Waiver Addendum for a full explanation of the terms and conditions of the program.

Mechanical Breakdown Protection (MBP)

Drive with peace of mind knowing that with Mechanical Breakdown Protection (MBP) you have protection against the increasingly high cost of repairs and associated labor costs for mechanical and electrical vehicle failures.

How Does Mechanical Breakdown Protection (MBP) Work?

  • Available for both new and used vehicles
  • 24/7 Roadside Assistance and Towing
  • Rental Car Allowance
  • Free Look Period – 60 days
  • Consequential Damage coverage
  • Electronic Components coverage*

*Elite and Enhanced plans ONLY

  Get a Quote

This coverage will protect your vehicle after your warranty has expired. Call us at (212) 693-4900 to find out how you can drive with the proper protection against costly repairs!

As part of your auto loan obligation, you are required to maintain physical damage insurance coverage on your vehicle until you pay off the loan. If you fail to provide proof of insurance or fail to maintain insurance coverage for the life of the loan, Municipal Credit Union will purchase a policy for our own protection and pass the cost on to you, the borrower. The cost of this insurance, called Collateral Protection Insurance (CPI), can be much more expensive than if you purchased insurance on your own from an agent.

If you receive a communication from us regarding Collateral Protection Insurance (CPI), it is because you need to submit proof of insurance. Visit to submit proof of insurance.

Submit Proof of Insurance

If you have any questions regarding a Collateral Protection notice you received, please call toll free: 1 (800) 998-0762.

Search For A Car

Fuel Economy Guide


Fuel economy is an important factor to consider when shopping for a car. Learn more about fuel economy and the benefits of using more fuel-efficient vehicles.

Rates As Low As:
New Cars (2023 - 2023) 4.00%
Auto Refinance (2023 - 2023) 4.25%

* This is a discounted rate. The APR for auto loans will increase by .50% after consummation if automatic transfer from your MCU primary share (savings)/share draft (checking)account is cancelled or the transfer is unsuccessful for 3 consecutive payments.

Visit our Rates page for more information

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Routing Number: 226078036

NMLS #:184286

  • ncua Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.