Shift Gears to a Better Rate

Many places claim to offer the best auto loan rates, but how many of them guarantee it? MCCU will meet or beat your auto loan rate that is financed by a competitor with our Auto Refinance Guarantee!

Simply apply for an auto loan and show proof with your monthly statement or loan documents displaying your current rate at the other financial institution and we’ll get the ball rolling so you can love your car AND your payments! Rate guarantee excludes current MCCU loans, manufacturer financing and rate buy-downs.

Bonus Offer – Take advantage of our 90-day no pay perk and make no payments for 3 months! Applicants will be automatically entered to win an Oculus Quest 2, virtual reality game system when applying for an auto, boat, motorcycle, RV, or toy loan during promo period of May 1 – June 30, 2021. Click here for more info.


Teal button with Apply Now in white text- click this button to apply for a loan

*Annual Percentage Rate (APR) will vary based on credit score, loan-to-value, age of vehicle, term and payment method. Auto refinance rate guarantee applies to verifiable auto loan rates and is not valid on existing MCCU loans. Offer is not applicable to any “special rate” program of manufacturers’ finance companies or any other rate offer that bundles the sale of the vehicle and financing together and cannot be combined with any other offer. Applicant must provide proof/verification of current interest rate at other financial institution (ie. statement or loan document). Membership required to obtain MCCU products: $5 minimum deposit. Loans subject to credit qualifications and approval. Federally insured by NCUA.
Oculus Giveaway – No purchase necessary. Must be 18 years or older to win. Void where prohibited. Loan applicants will earn one (1) entry maximum, regardless of number of applications submitted/received during promotion period of May 1, 2021 – June 30, 2021.