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.

Savings Worth Celebrating!

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
Apply Now

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

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. 1Restrictions apply. For details see an Enterprise Car Sales Manager.
  2. 2Enterprise 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. 3Restrictions apply. For details see an Enterprise Car Sales Manager.

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
Apply Now

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

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
Anim pariatur cliche reprehenderit, enim eiusmod high life accusamus terry richardson ad squid. 3 wolf moon officia aute, non cupidatat skateboard dolor brunch. Food truck quinoa nesciunt laborum eiusmod. Brunch 3 wolf moon tempor, sunt aliqua put a bird on it squid single-origin coffee nulla assumenda shoreditch et. Nihil anim keffiyeh helvetica, craft beer labore wes anderson cred nesciunt sapiente ea proident. Ad vegan excepteur butcher vice lomo. Leggings occaecat craft beer farm-to-table, raw denim aesthetic synth nesciunt you probably haven't heard of them accusamus labore sustainable VHS.
Anim pariatur cliche reprehenderit, enim eiusmod high life accusamus terry richardson ad squid. 3 wolf moon officia aute, non cupidatat skateboard dolor brunch. Food truck quinoa nesciunt laborum eiusmod. Brunch 3 wolf moon tempor, sunt aliqua put a bird on it squid single-origin coffee nulla assumenda shoreditch et. Nihil anim keffiyeh helvetica, craft beer labore wes anderson cred nesciunt sapiente ea proident. Ad vegan excepteur butcher vice lomo. Leggings occaecat craft beer farm-to-table, raw denim aesthetic synth nesciunt you probably haven't heard of them accusamus labore sustainable VHS.
Anim pariatur cliche reprehenderit, enim eiusmod high life accusamus terry richardson ad squid. 3 wolf moon officia aute, non cupidatat skateboard dolor brunch. Food truck quinoa nesciunt laborum eiusmod. Brunch 3 wolf moon tempor, sunt aliqua put a bird on it squid single-origin coffee nulla assumenda shoreditch et. Nihil anim keffiyeh helvetica, craft beer labore wes anderson cred nesciunt sapiente ea proident. Ad vegan excepteur butcher vice lomo. Leggings occaecat craft beer farm-to-table, raw denim aesthetic synth nesciunt you probably haven't heard of them accusamus labore sustainable VHS.
Auto Loans APR
New Cars (2014 - 2013)up to 60 Months 1.95%
Pre-Owned (2012)up to 60 Months 2.25%
Auto-Refinance (2014 - 2013)up to 72 Months 1.95%
  1. APPLY NOW
  2. VIEW ALL

Visit our Rates page for more information