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
Vehicle Affordability Calculator
Not ready for the full application? No problem, this calculator will help you to compute how much car you can afford.
Frequently Asked Questions
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.
CMCU Digital Banking: You can transfer funds from your CMCU checking/savings account into your loan account. Learn more here.
CMCU Mobile App: You can transfer funds from your CMCU checking/savings account into your loan account. Learn more here.
Phone: (888) 330-8482 Pay over the phone with a debit card or CMCU account transfer.
Mail: PO Box 190, St. Joseph, MN 56374. Please include your Account Number and Loan ID. You will not receive a payment receipt by mail but you can verify the transaction within Internet Banking.
Branch: Visit any CMCU location to make a payment.
GAP Protection is an affordable coverage add-on which protects you, the member, and CMCU in the event that the vehicle is totaled and you owe more than what it is worth.
Route 66 Extended Warranty can be purchased on any vehicle to protect you against costly repairs. In addition, it provides 24/7/365 Emergency Road Service, no deductible, and a 30-day money back guarantee. This service can be purchased for any vehicle, even if you don't have a vehicle loan.
New Members: Complete an application online.APPLY NOW
Current Members: Apply in Digital Banking.LOGIN NOW
Central Minnesota Credit Union has 21 branches to serve you as well as access to 24,000 ATMs across the United States with MoneyPass.
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
Monday - Thursday: 8 AM - 6 PM
Friday: 8 AM - 7 PM
Saturday: 8 AM - 12 PM
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
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
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.