MTC Federal

VEHICLE REFI SPECIAL

Big Summer Savings. Refinance Your Ride.

Now is the perfect time to take control of your payments with an amazing money saving offer from MTC Federal when you refinance your auto loan from another financial institution

Start Your Refinance Today

Beat Your Rate by 1.5% (or better)* -OR- Get $200 Cash Back*

PLUS No Payment for 90 Days*

MTC Federal will beat your current auto loan rate by 1.5% (or better)*

Is your current vehicle loan costing you too much every month? At MTC Federal, we believe hardworking people deserve a financial break — especially during the summer.

If we can’t beat your current auto loan rate, we’ll give you $200 to move your current loan (rate and terms) with another lender to us.* You truly have nothing to lose. If we can’t beat your rate by 1.5% then you get $200. And did we mention no payments for 90-day?

Start My Refinance

Beat your current rate by 1.5%*

Or receive $200 cash*

No payments for 90-days*

Apply in minutes.

Quick decisions.

Minimal documentation.

Not-for-profit = better rates

We work for hardworking people, not stockholders.

Personalized guidance from a caring lending expert.

No pressure — just the facts.

Start the Approval Process

Choose Your Loan & Apply Now!

Let’s get you on the road. Call 800-277-8793 or fill out the form below.

Select a Loan Type

Car / Truck Motorcycle Watercraft RV / Recreation

First Name

Last Name

Phone

Zip Code

Annual Income

Credit Score

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Member-First Benefits

Our member service representatives are standing by each business day to answer your questions and help you take advantage of these benefits.

Skip-a-Payment Plan

Giving back gives back to you. Skip a monthly loan payment and use the funds however you need. Restrictions apply — contact us for details.

Deferred Payment Offer

Skip up to 3 payments by deferring your loan payment for 90 days when you finance or refinance your vehicle with MTC Federal.

Member Protection

Protect your investment with discounted GAP insurance and vehicle protection products available exclusively to MTC Federal members.

Talk To a Representative Call 800-277-8793

©2026 MTC Federal Credit Union. Certain restrictions apply. Subject to credit approval. Minimum rate of 4.25% APR, the loan balance must be $10,000 or higher, and the remaining term of the loan must be greater than or equal to 24 months. The term of the transferring loan cannot be extended more than 3 months. Offer valid for refinances from non-MTC Federal lenders only. $200 incentive applies when refinancing at current terms. 90-day payment deferral available to qualified borrowers. Interest accrues when the loan originates. Federally insured by the NCUA.