With a Guaranteed Better Loan from MTC Federal Credit Union, you get a lending partner with affordable financing options – the key to your new favorite vehicle.
Rates as low as 2.20% APR (annual percentage rate)

Apply Now or call 800.442.7792

Vehicle Loan Types

New Auto Loan
New Auto Loans

Put your next vehicle within reach. Options with low monthly payments, competitive rates (as low as 2.20% APR) and flexible terms (24-84 mos.) that leave you enough room to enjoy owning it.

Used Auto Loan
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 2.20% APR with terms up to 84 months.

Auto Refinancing
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.

Recreational Vehicles
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 2.20% APR and terms up to 128 months, we offer members the flexibility for the lifestyle they want.

Motorcycle RV Motor Boat Jet Ski

Guarantee Money Shield

The Guaranteed Better Loan From MTC Federal Credit Union

You deserve more choices. Our Automotive Lending Experts will customize one or more loan options to fit your budget and your needs. The Guaranteed Better Loan from MTC Federal Credit Union is built for our members to Drive Adventure.
  • Better Payment
  • Better Rate
  • Better Term

Member Service is Our Very Best Product

Our Automotive Lending Experts are standing by each business day to answer your questions, and available 24/7 by phone to explore the best financing options for you.

Skip Payment
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 from your loan payment.

Deferred Payment Offer
Deferred Payment Offer

Have loans at other financial institutions? You may qualify to skip up to 3 payments when you move your loan to MTC Federal.

Insurance Umbrella
Protection Services

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.

Online and Mobile Tools

AutoSMART Tools

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


Current Rates

TermAnnual Percentage Rate (APR) as low as
24 Months2.20%
36 Months2.45%
48 Months2.70%
60 Months2.95%
72 Months3.70%
84 Months4.70%
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.
©2020 MTC Federal Credit Union. All rights reserved. Federally insured by the NCUA. Equal Housing Lender. Annual Percentage Rate (APR) may vary depending on each individual’s credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply.