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Auto Loans

"I have been with this credit union for 20 years, and have had multiple loans.  This particular loan was an easy in and out friendly process!"

- Anonymous Member

Test Drive Payment Get Started
  • Overview

    Your journey starts here.

    Let us help you get to your destination. Friendly service and trusted lending let you borrow with confidence, while pre-approval lets you shop smarter. Choose from terms customized to fit your financial situation. Have a car loan you don’t love? We might be able to help you refinance an auto loan from another lender at a better rate.

    Hear our members’ Auto Buying Stories!

    • A simple application process
    • Local and trusted lending source
    • Pre-approval to shop confidently
    • A term that fits your budget
    • Refinance up to 100% of a different loan

    Simplify your car shopping experience.

    Your Smart Choice for Stress-Free Car Buying.

    We’ve got you covered. AutoSMART is our powerful online car shopping website that lets you search through millions of cars across the country…or across the street, from any device, anywhere, at any time.

    Learn More

    Step 1

    Estimate how low your payment could be

    Calculations do not guarantee credit approval.

    Test Drive Your Payment

    Estimate Your Monthly Payment
    How much is the vehicle you want?
    $
    How's your credit?
    How's your credit?
    How many months do you want the loan for?
    How many months do you want the loan for?

    This calculation represents an estimate.

    Step 2

    Get pre-approved

    Getting pre-approved for a loan before looking for a vehicle saves time and energy so you’ll know exactly how much you’re able to spend.

    Step 3

    You might also be interested in…

    Let us help you get to your destination.

    Your journey starts here. We're here to help with great financing options and dedicated local service.

    Apply Now
  • Rates
    Rates Effective as of: 02-07-2023

    80th Anniversary Loan Specials

    Loan SpecialTermAPR
    New Auto Loan 80 Month Loan Special80 MonthsAs Low As 5.74%
    Used Auto Loan 80 Month Loan Special80 MonthsAs Low As 5.99%
    New Rec Vehicle Loan 80 Month Loan Special80 MonthsAs Low As 6.99%
    Used Rec Vehicle Loan 80 Month Loan Special80 MonthsAs Low As 7.99%

    APR = Annual Percentage Rate

    Rec Vehicles > 8 years add 2.00% to rate

    Autos > 8 years add 2.00% to rate

    Mileage between 120,000 - 150,000 add .50% to rate

     

    Rates Effective as of: 02-07-2023

    New Vehicle Loan Rates (Current Model Year & Newer)

    Term APR
    Up to 36 Months As Low As 4.49%
    37-48 Months As Low As 4.74%
    49-60 Months As Low As 4.99%
    61-72 MonthsAs Low As 5.49%
    73-84 Months As Low As 5.99%
    85-96 Months As Low As 6.24%

    Up to 120% financing available up to 72 months term. 100% financing on extended terms based on collateral and additional requirements.

    APR = Annual Percentage Rate. To apply, view our loans page.

     

    Rates Effective as of: 02-07-2023

    Used Vehicle Loan Rates

    Term APR
    0-36 Months As Low As 6.74%
    37-72 Months As Low As 7.49%
    73-96 Months As Low As 8.74%
    97-144 Months (Minimum $20K)As Low As 9.24%
    145-180 Months (Minimum $25K)As Low As 10.74%

    Up to 120% financing available up to 72 months term. 100% financing on extended terms based on collateral and additional requirements.

    APR = Annual Percentage Rate.

    Vehicles > 8 years add 2.00% to rate

    Mileage between 120,000 - 150,000 add .50% to rate

    Mileage between 150,001 - 179,999 add 1.00% to rate

    Mileage at or over 180,000 add 1.50% to rate

  • FAQs

    Frequently Asked Questions

    • Use our online Loan Payment Center
    • Stop at any branch and drop off cash or check with a Member Service Representative or use the night drop box
    • Account to Account electronic transfers - If you have more than one Centricity account set up in Bill Pay, you can transfer money between them
    • Set up an ACH transfer with your primary financial directly to your Centricity loan
    • Set up automatic payments from your Centricity account directly to your loan
    *If you need to make changes to your current payment method, please call our Lending Department at 218-729-7733
    Ten days after your loan is paid in full we will send you the title/lien card. Lien cards should be kept with the title of your vehicle.
    Yes! Try our online Loan Payment Center or log in to Online Banking from our website and conveniently transfer your payment from your savings or checking accounts.
     If you ever have questions about whether a loan type applies to your specific situation or project, please get in touch with us! We’d love to talk through it with you.