skip to Main Content

Guaranteed Better Loans
as low as 2.95% APR* for members

Members apply and get same-day approval for vehicle loans.

Apply Now

Finally a Vehicle Loan that fits your life

Whether it rolls, floats or travels, MTC Federal Credit Union can put your next vehicle within reach. We offer competitive rates, flexible terms and an easy 24/7 online application process for loans on new and used cars, trucks, motorcycles, boats and more.

  • Payment plans as little as 36 mos. or as much as 84 mos. for automobiles, 180 mos. for other vehicles
  • Loans available for new, used or refinanced vehicles
  • Financing up to 100% of MSRP or retail value

The MTC Federal Credit Union Advantage

Guaranteed Better Loans

Bring your buyer’s order in to us and we may be able to give you a better deal than the dealership. Members benefit from reduced rates of at least 1% or cash back up to $200 or a 90 day to pay option.

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 from your loan payment.

Deferred Payment Offer

Have loans at other financial institutions? Move to MTC Federal and skip up to 3 payments by deferring your loan for 90 days.

Current Rates

 2018 & Newer Vehicles2017 & Older Vehicles
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.
* Minimum financing of $20,000
** Minimum financing of $35,000
TermAnnual Percentage Rate (APR) as low as
36 Months3.20%4.20%
48 Months3.45%4.45%
60 Months3.70%4.70%
72 Months4.45% *5.45% *
84 Months5.45% **6.45% **