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Car & Auto Loan

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Ideal Car & Auto Loans

Rely on low rates

The credit union difference fuels our need to provide you a low, affordable rate.

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Your affordable payment

We start with what you can afford and then work to get you financing that fits your needs.

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Rates as of:
*APR is Annual Percentage Rate. Quoted APR is best available rate for model years 2015 and newer for a 24 month term; rate may be higher depending on factors such as credit history, repayment term selected, amount financed and mileage of vehicle. Slightly higher rates are available for terms to 84 months. Example of payment, pay $43.15 per month per $1,000 borrowed for 24 months at 3.39% APR. Rates are subject to change at any time. Actual rates based on applicant's payment and credit history. To be eligible for an 84 month term, vehicle must be 2016 - 2019 and minimum loan amount must be $30,000. Max LTV is 105%. Title transfer fee may apply on refinances. Skipping payments for the first 60 days will increase the amount of interest you pay and will take you longer to payoff the loan. The regular loan payment will begin within 60 days of the date your loan is funded.

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*APR=Annual Percentage Rate. Maximum loan amount $250,000. A minimum credit score of 680 is required to obtain this rate. Closing costs vary by state. The average closing cost is $1,299 but will not exceed $1,999 if appraisal is required. Offer is subject to normal credit qualifications. Finance up to 80% of homes value. Available for Single Family Home, 2-4 units, Condominium, and Townhome. Primary & secondary occupancie acceptable. Property insurance is required. Consult your tax advisor regarding deductibility of interest. Payment example: On a $250,000 owner occupied (primary residence) home loan at 3.652% APR for a 30 year term, monthly payments would be $1,143.93 per month. Payments do not include applicable taxes and insurance and may result in higher payments. Rates are subject to change at any time.

2018 - 19 Holiday Hours

Martin Luther King Jr Day

Monday, January 21st
All locations closed.


Presidents' Day
Monday, February 18th
All locations closed.


Good Friday
Friday, April 19th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 27th
All locations closed.


Independence Day
Thursday, July 4th
All locations closed.


Labor Day
Monday, September 2nd
All locations closed.


Columbus Day
Monday, October 14th
All locations closed.


Veterans Day
Monday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 28th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Tuesday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day
Wednesday, December 25th
All locations closed.


New Year's Eve
Tuesday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2020)
Wednesday, January 1st
All locations closed

 

Rates as of:
2019 -2015**APR as low as* 
Up to 24 months 3.39% Apply
Up to 36 months 3.49% Apply
Up to 48 months 3.59% Apply
Up to 60 months 3.79% Apply
Up to 72 months 3.99% Apply
2019 -2016** APR as low as*  
Up to 84 months** 4.79% Apply
2014 - 2013 APR as low as*  
Up to 24 months 3.89% Apply
Up to 36 months 3.99% Apply
Up to 48 months 4.09% Apply
Up to 60 months 4.29% Apply
Up to 72 months 4.49% Apply
2012 - 2009**  APR as low as*  
Up to 24 months 5.24% Apply
Up to 36 months 5.49% Apply
Up to 48 months 5.74% Apply
2008 and older**    
Vehicles 10 years and older will be priced at Recreational Vehicle Rates (Untitled Units plus 1% up to 48 months)

*APR is Annual Percentage Rate. Quoted APR is best available rate for model years 2015 and newer for a 24 month term; rate may be higher depending on factors such as credit history, repayment term selected, amount financed and mileage of vehicle. Slightly higher rates are available for terms to 84 months. Example of payment, pay $43.15 per month per $1,000 borrowed for 24 months at 3.39% APR. Rates are subject to change at any time.

**Actual rates based on applicant's payment and credit history. To be eligible for an 84 month term, vehicle must be 2016 - 2019 and minimum loan amount must be $30,000. Max LTV is 105%.

^Skipping payments for the first 60 days will increase the amount of interest you pay and will take you longer to payoff the loan. The regular loan payment will begin within 60 days of the date your loan is funded.