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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.

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A simple application process

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Local and trusted lending source

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Pre-approval to shop confidently

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A term that fits your budget

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Refinance up to 100% of a different loan

Estimate how low your payment could be

Calculations do not guarantee credit approval.

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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.

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Apply right now from your computer. It takes 5 minutes.

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Apply by Calling

Apply over the phone with a friendly member specialist.

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Apply in Person

Apply from a cozy lobby at any of our branches.

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Frequently Asked Questions

  • 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.

  • 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.

  • 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.

    • 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
    • Mail a check to any of our 3 branches
    • Set up a payment with Bill Pay through our Online Banking from your primary financial account
    • 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
    • Use Online Banking to make a payment

    *If you need to make changes to your current payment method, please call our Lending Department at 218-729-7733.

Let us help you get to your destination.

"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!" - Michelle

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Rates

New Vehicle Loan Rates (Current Model Year & Newer)

Rates effective as of: July 27, 2024

Rates based on final LTV (Loan-to-Value) of 75%. The rate will increase for loans with higher LTVs.

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.

Used Vehicle Loan Rates

Rates effective as of: July 27, 2024

Rates based on final LTV (Loan-to-Value) of 75%. The rate will increase for loans with higher LTVs.

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

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