Auto Loans with rates as low as 2.464% APR*

An auto loan that fits your needs and your wallet.

Drive away with lower payments on an auto loan from CMCU.

  • New, used, or refinanced
  • Rates as low as 2.464% APR* View more rate information
  • Local service with CMCU’s friendly and knowledgeable team
  • Same-day financing available upon qualification
  • Apply in 5 minutes or less
  • Stop in at any of our branches or apply online

Low rates on auto loans.




Your first step is to fill out an application. Good thing we have an easy online application for you! This will get you started on the road to your new vehicle.

Get Pre-qualified

After your application is submitted, a member of CMCU's lending staff will be in touch to finalize a few details and pre-qualify you for your vehicle loan amount. And our lenders work hard to make sure you end the call with a smile.

Go Shopping

This is the fun part! Go find your perfect vehicle that fits with your pre-qualified loan amount. And if you're really ambitious, you can start picking out some names for your future traveling buddy.

Take a Deep Breath

Prepare yourself for a big whiff of new car smell headed your way! Just send the Purchase Agreement and a copy of your Insurance Card to CMCU's lending staff and we'll help coordinate the vehicle payment so you can drive off into the distance.


Vehicle Affordability Calculator

Not ready for the full application? No problem, this calculator will help you to compute how much car you can afford.

Down Payment:
Monthly Payment You Can Afford:
Expected Annual Interest Rate:
Loan Term:
Value of Your Trade-in:
Cash Rebate to Be Added to Down Payment:
You will be able to afford a vehicle that costs:
Loan amount you would need to qualify for:

*Calculator provides general estimations only. Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us.

Frequently Asked Questions

Do I qualify to be a CMCU Member?
Great question! Our members can qualify for membership very easily. You will just need to work, worship, go to school, or volunteer in one of the counties of our field of membership. So, when you open your account with us, you will open a one-time $5.00 “Share” account which makes you a member of CMCU and an equal owner of our credit union. And if you ever decide to close your account, you will receive your $5 deposit back. You can learn more here.
Do I need a Pre-Qualification letter to shop vehicles?
Sometimes, sometimes not. If you have already found your vehicle to purchase, we can set up financing right away and you won't need a pre-qualification letter. However, if you get pre-qualified and then shop around for vehicles, we'll send you a pre-qualification letter to bring to dealerships. Some dealerships may also contact us to confirm financing as a business practice.
Your pre-qualification offer is typically valid for 90 days with CMCU. If we have not heard from you about purchasing a vehicle within those 90 days, then your loan application will be closed and you will need to reapply if you decide to obtain financing after the expiration date.
What if I've found my car before I apply?
That's great! Go ahead and fill out an application and we'll help you get the financing together as quickly as possible. If you are working with a dealership, we'll just need the Purchase Agreement and Insurance Card. Our lending staff will help walk through everything with you to get you on the road faster.
How do I make loan payments?
How can I pay off my loan faster?
Is there an easy way to remember my payment due dates?
Are there additional warranties and services?

Get Started!

Apply online

Apply Online

New Members: Complete an application online.


Current Members: Apply in Digital Banking.


Visit a local CMCU branch

Local Branch

Central Minnesota Credit Union has 21 branches to serve you as well as access to 24,000 ATMs across the United States with MoneyPass.

View locations

Video chat with a CMCU team member

Video Banking

Talk to a CMCU team member virtually face-to-face. Learn More
Monday - Thursday: 8 AM - 5 PM
Friday: 8 AM - 6 PM
Saturday: 8 AM - 12 PM

Start Video Call

Call us on the phone


Contact Center
Monday - Thursday: 8 AM - 6 PM
Friday: 8 AM - 7 PM
Saturday: 8 AM - 12 PM

(888) 330-8482
men on boat

Don't let 3.465% APR* get away.

A recreational vehicle loan that fits your needs and your wallet.

Gear up for family fun and enjoy low competitive rates, flexible financing options, and a five-minute application. Whatever fun you choose, CMCU has the right loan for you.

Learn More

"Navigate Your Next Vehicle Purchase"

Read our blog post

If you’re thinking about upgrading your ride, researching the perfect car is probably your No. 1 priority. But that’s not all you should do before sitting down with a salesperson. To get the best deal while being mindful of budget, you’ll want to financially prepare, too.

Read More
getting the keys to a new vehicle


Not a Member? Join us today!

  •  Wide variety of products
  • 21 convenient branch locations.
  •  Online and mobile banking
  •  24,000 ATM locations nationwide
  •  Award-winning institution
  •  Low interest rates on loans
  •  High interest rates on savings
  •  Free checking

become a member


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.
We may also ask to see your driver’s license or other identifying documents.

*Subject to credit approval. Membership qualification required. Rates based on past credit history. Other restrictions may apply. Ask for details. Equal Opportunity Lender. Insured by NCUA.

Membership qualification is required. Loan fees apply. Rates are subject to change at any time and are based on creditworthiness. Loan payment and Annual Percentage Rate (APR) will vary based on loan amount, term, collateral and any fees. Minimum APR loan payment example: $20,000 for 36 months including a $50 doc prep fee, 2.464% APR and a $575.45 monthly payment. Max term varies based off credit score and year of collateral.

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