Skip to main content
MTC Federal Logo
MasterCard Image

MTC Federal Platinum Mastercard®

Introductory Rate of 6.90% APR*

Points for every $1 you spend. No annual fees. No balance transfer fees.

The Membership Difference

  • Member-Focused Service
    We listen, educate, offer custom solutions and provide personal service that builds relationships not transactions.
  • Convenience
    Access is easy with a click, tap or call.
  • Value
    As a non-profit we return our earnings to members with great rates, loyalty rewards, and member perks.
  • Lifetime Benefits
    Once you become a member, you and your family remain members for life.
Want to speak with an Automotive Lending Expert?
Call 864-908-3402
Monday – Friday, 8:00am – 5:00pm EST
See Rates & Fees

VEHICLE LOAN TYPES

Couple closing on a loan
NEW AUTO LOANS
Put your next vehicle within reach. Options with low monthly payments, competitive rates (as low as 1.95% APR) and flexible terms (24-84 mos.) that leave you enough room to enjoy owning it.
Couple driving in their vehicle
USED AUTO LOANS
When you need that next vehicle to fit in your budget, our used auto loans work to serve our members with super-low monthly payments, rates as low as 1.95% APR with terms up to 84 months.
Family unpacking a picnic
AUTO REFINANCING
Lower your monthly payments by refinancing your auto loan with competitive interest rates we offer to all of our members, with terms up to 84 months.

VEHICLE LOAN TYPES

Meeting room icon
Credit and Debt Counseling
We offer free consultations for members who are looking for opportunities to get debt-free and improve their financial outlook.
Icon of calculator
Calculators
We offer in-house and online tools that help our members clearly understand their financial status and how to get where they want to be.
Hands receiving rewards
Loyalty Rewards
Earn 1 point for every $1 spent. Redeem those points on virutally anything: merchandise, travel, or even cash back. Your rewards, your way.
 
RECREATIONAL VEHICLES

People who work hard deserve the opportunity to play hard! Loans that make it easy to drive more adventure. With rates as low as 1.95% APR and terms up to 128 months, we offer members the flexibility the need for the lifestyle they want.

Icons of different vehicles
Shield Icon

THE GUARANTEED BETTER LOAN FROM MTC FEDERAL CREDIT UNION

You deserve more choices. The Guaranteed Better Loan Advantage can help you with one or more of these solutions:

  • BETTER RATE
  • BETTER PAYMENT
  • BETTER TERM
  • BETTER DUE DATE
  • BETTER PROTECTION
  • (GAP | MECHANICAL REPAIR | CREDIT LIFE | CREDIT DISABILITY)
Get Details

Why Partner with MTC Federal Credit Union?

As a not-for-profit organization, MTC Federal puts its members first. Our goal is to improve your financial health, not prey upon impulsive decisions. This means, you can expect:

Screenshot of car buying website

AutoSMART™ TOOLS

Powered by our partners at AutoSMART™, MTC Federal puts the tools in your hands to make the best auto buying decision.

  • Check Vehicle Values
  • Search for cars
  • Find preferred dealers
  • and more!
Visit Site

MEMBER SERVICE IS OUR VERY BEST PRODUCT

Our Member Service Representatives are standing by each business day to answer your questions and explore the best financial options for you.

Call Us Now
Calendar Icon
SKIP-A-PAYMENT PLAN
Giving back gives back to you! Help us give back to the community and we’ll give you a month off your loan payment.

Get Details

Icon of vehicle
DEFERRED PAYMENT OFFER
Have loans at other financial institutions? Move to MTC Federal and skip up to 3 payments by deferring your loan payment for 90 days.

Speak to a Lending Expert

Icon of umbrella
MEMBER PROTECTION
MTC Federal offers vehicle insurance for peace of mind on the road. Drive confidently, knowing that mechanical repairs or damage won’t weigh you down.

Learn More

CALCULATOR

Compute and compare loan options to find the right loan for your budget with this simple tool.

Explore

Current Rates

Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Term Annual Percentage Rate (APR) as low as
24 Months 5.70%
36 Months 5.70%
48 Months 5.95%
60 Months 6.20%
72 Months 6.95%
84 Months 7.95%
Image of four family members

SAVE TOGETHER, BORROW TOGETHER

No other financial institution plants their flag on “Family” like we do.

Our mission is simple: Help members get on the road to a stronger financial future. That road is different for everyone. We believe building lifetime relationships by offering choice and value with personal service we’ll help us prosper together.

Individual Financial Analysis: Through a one-on-one review, our lenders listen to your story and show you how our custom solutions help you pay less to achieve your goals.

Learn More

MONEY MANAGEMENT TOOLS

Easy, secure and convenient access to your money and loan options whenever and wherever you go with MTC Federal’s 24/7 account management tools.

Explore

Current Rates

 

Member Service Is Our Very Best Product

Our Mortgage Specialists are standing by each business day to answer your questions, and explore the best financing options for you.

Visit a Branch Call 888.445.0089

Tips and Trends

 

Down Payment Tips for First-Time Home Buyers

These four basic steps can help you save enough to buy your first home.

Read More
Couple holding the keys to their new house

The Key to Home Ownership Begins Here

10 commandments to live by during your mortgage process.

Read More »
Couple envisioning their new house

The Cost of Home Ownership

Mortgage calculators to help you know which home you can afford.

Read More »