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Your First Car: A Smarter Way to Buy with MTC Federal Credit Union

Portrait picture of car buyer first

Your First Car: A Smarter Way to Buy with MTC Federal Credit Union


October 3rd, 2025

Buying your first car is a major milestone—and it should feel exciting, not overwhelming. At MTC Federal Credit Union, we help first-time car buyers make confident decisions with resources designed for credit union members. From auto loan financing and credit score monitoring to insurance and dealership negotiation tips, this guide covers every step of your car-buying journey.


Step 1: Shop for Cars Online with AutoSmart

Finding the right vehicle starts with the right tools. With AutoSmart, MTC Federal’s online car shopping platform, you can:

  • Browse new and used cars available in your area
  • Compare models, features, and pricing side by side
  • Estimate monthly car payments based on your budget

👉 Explore AutoSmart, it takes the stress out of dealership visits and helps you shop smarter.


Step 2: Build Better Credit with Credit Savvy

Your credit score directly impacts the interest rate on your auto loan. With Credit Savvy, MTC Federal members can:

  • Track their credit score in real time
  • Receive personalized tips to improve their credit
  • Learn what factors affect their credit profile

Improving your credit before applying for financing can save you money over the life of your loan.

👉 Learn About Credit Savvy or opt-in directly from your MTC Federal digital banking account.


Step 3: Protect Your First Car with TruStage Auto Insurance

Car insurance isn’t optional when financing a vehicle—it’s essential. Through our partnership with TruStage® Auto Insurance, MTC Federal members receive:

  • Affordable coverage tailored to your needs
  • Exclusive credit union member discounts
  • 24/7 claims support and online convenience

👉 Explore TruStage Auto Insurance, protecting your investment is simple and affordable.


Step 4: Negotiate Like a Pro at the Dealership

Walking into a dealership prepared can save you thousands. Try these proven car negotiation tips:

  • On price: “I’ve researched the fair market value for this car. Can you match or beat that price?”
  • On trade-ins: “I’ve received other trade-in offers. Can you do better than [amount]?”
  • On financing: “I’m pre-approved through my credit union. Can you show me how your offer compares?”

Confidence and preparation give you the upper hand.


Step 5: Finalize Your Auto Loan and Contract with Confidence

Before signing, carefully review your contract to avoid costly surprises. Look out for:

  • Add-ons or fees you didn’t request
  • Prepayment or early payoff restrictions
  • Optional extended warranties
  • Confirmation of registration and title transfer

As your financial partner, MTC Federal ensures you understand the details before finalizing your loan.


Ready to Buy Your First Car?

Your first car should be a source of freedom—not financial stress. With MTC Federal’s AutoSmart, Credit Savvy, and our partnership with TruStage, you’ll be equipped to make smart decisions and drive away with confidence.

👉 Start Shopping with AutoSmart
👉 Check Your Credit with Credit Savvy
👉 Explore TruStage Insurance
👉 Apply for an Auto Loan Today