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Auto Loans

Vehicle Loan Calculator
  • Up to 100% financing plus tax and tags, extended warranties, GAP insurance and payment protection insurance.
  • Repayment terms up to 84 months for new and 72 months for used.
  • Quick pre-approval with our 24-hour online and phone decision process.
  • Simple interest financing with no prepayment penalties.
  • Discounts of up to 0.25% when combined with direct deposit (minimum of $500 monthly), checking, e-statements and Visa® Debit Card services.    

Motorcycle, Boat and Leisure Vehicles

No matter how you travel - by car, boat, RV, four-wheeler, jet-ski or even snowmobile ... we can help you get there. 

*APR = Annual Percentage Rate.

Vehicle Coverage

Our competitive low rates and flexible terms will accommodate any budget. Guaranteed Asset Protection (GAP), Mechanical Breakdown or MEMBER'S CHOICE™ Borrower Security (Debt Protection) can be added to any vehicle loan. Ask your loan officer for details.

Guaranteed Asset Protection (GAP)^

A new vehicle typically loses 20% of its original value as you take delivery.  Unfortunately, that doesn't change the balance of your vehicle loan.  For the time being you have what's called negative equity.  You owe more than what the vehicle's worth.  Years later, the balance on your loan and the vehicle value will even out.  At that point, if your vehicle is totaled or stolen, your primary insurance will probably cover about what you owe.  Until then MEMBER'S CHOICE™ Guaranteed Asset Protection can help cover the gap and protect you from a potential loss of thousands of dollars.

^Your purchase of MEMBER'S CHOICE Guaranteed Asset Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.  Certain eligibility requirements, conditions and exclusions may apply.  If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP.  Prices of the refundable and non-refundable products are likely to differ.  If you choose either product and cancel within the first 90 days, you will receive a full refund.  If you choose a refundable product, you may cancel at anytime during the loan and receive a refund of the unearned fee calculated by the actuarial method. 

Mechanical Repair Coverage (MRC)

A recent poll conducted shows that drivers intend to keep their vehicles for ten years or more.  Most new car warranties last four years, so the chances of having to pay for repairs is greater than ever. Car repairs aren't getting any cheaper, either.  And even small repairs, can cost hundreds of dollars.  When your vehicle manufacturer's warranty has expired or if it doesn't cover certain mechanical problems, you could get stuck with some unexpected expenses over and above your vehicle loan.

That's where adding MEMBER'S CHOICE® Mechanical Repair Coverage to your loan can help.  It can deflect some of the risk of costly repairs so you can afford to keep your vehicle running extra miles and extra years.  With three different coverage levels and deductibles to choose, there's a plan to fit your family's budget.

The Credit Union offers Motor Vehicle Repair Protection for auto loans in all states except the following: Alaska, Maine, California and Florida.

MEMBER'S CHOICE™ Borrower Security

Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happens.  You're betting you can pay back your loan and you won't lose your job or become disabled or pass away, leaving your family responsible for your loan balance.  You don't want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family. If a protected life event happens you're (and you're a protected borrower or co-borrower on the loan), MEMBER'S CHOICE™ Borrower Security will cancel or reduce repayment of your loan debt.  You may enroll at any time.

Protected events include:

  • Loss of Life and Disability, including those caused by acts of war
  • Involuntary unemployment
  1. Balance cancellation - cancels a debt (up to the agreement maximum) if you die.
  2. Payment cancellation - cancels the principal and interest portions of your loan payment (up to the agreement maximum) if you die or become disabled or a victim to another covered event as such as involuntary unemployment.  The amount is applied to the loan balance as if the payment has been made.
  3. Interest cancellation - defers the principal portion of a payment and cancels the interest portion up to the agreement limit (the loan balance does not decline).  Program fees may or may not be waived under interest cancellation.
  4. Payment postponement - sometimes referred to as "skip payment" defers a payment (along with any program fees) and interest continues to accumulate and the outstanding balance increases. The fee is specific to the amount and term of your loan and the protection package you select.  The fee is automatically scaled to the amount of protection you select since it is calculated against the outstanding loan balance.  This protection is typically offered on open- and closed-end consumer loans, credit card balances and home equity/line of credit loans, second mortgages but NOT on first purchase mortgage and other similar real estate loans.  

For more information about Guaranteed Asset Protection, Mechanical Repair Coverage and MEMBER'S CHOICE Borrower Security, contact your loan officer.  NOT NCUA INSURED.


Equal Housing Lender
This credit union is federally insured by the
National Credit Union Administration.
Your Interior FCU Routing Number is: 254074442
Phone Number: (800) 914-8619

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