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Higher Expectations. Lower Rates.

With a Guaranteed Better Loan from MTC Federal Credit Union, you get a lending partner with affordable financing options:

  • Low rates available
  • Flexible Terms from 24-84 mos.
  • Up to 90 days to make first payment
  • Discount Protective Insurance Services
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VEHICLE LOAN TYPES

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NEW AUTO LOANS

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

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

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APPLY NOW!

Car/Truck
RV
Watercraft
Personal
Mortgage
Refinance
HELOC
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THE GUARANTEED BETTER LOAN FROM MTC FEDERAL

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

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  • BETTER RATE
  • BETTER PAYMENT
  • BETTER TERM
  • BETTER DUE DATE
  • BETTER PROTECTION

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.

Send a Message Call +18667878230
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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

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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 Lending Expert

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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

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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!
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CALCULATOR

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

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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%
©2025 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.