To keep members and staff as safe as possible, CMCU lobbies will be closed effective November 23rd, 2020.
Click here to learn how you can continue to conduct your financial business with CMCU.

90 Days No Payments Promotion

Keep some extra cash in your pocket for 90 days.

Be payment-free for 90 days when you finance your next vehicle loan with CMCU.

  • New or used auto vehicles
  • Pick your first payment date within 90 days from loan origination
  • Rates as low as 2.45% APR* - Rates are always low and competitive
  • Offer valid on loan applications submitted through September 15, 2020
  • Applications can be completed online, over the phone, or at a branch
  • CMCU's knowledgeable and friendly lending staff can help walk you through any situation
Apply Now

Certain restrictions apply. Other rates and terms available. Does not apply to any existing CMCU loan or members with a credit score below 680.

Drive now. Pay later.



Your first step is to complete an application. Fill out our easy online application or call us at (888) 330-8482

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 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.

Get Your Sunglasses

Prepare yourself for a new ride! 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.

Auto Vehicle Affordability Calculator

Not ready for the full application? No problem, this calculator will help you to compute how much loan 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, 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 vehicle 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 paired up with your new buddy as quickly as possible.
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?

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.


Member qualification is required. Loan fees apply. Loan terms and conditions are based on credit qualification and approval. Offer applies to any personal new or used automobile (2012 or newer) loan through direct loans or indirect lenders. Offer only available on purchases. Does not apply to any current CMCU loan. Cannot be added to any CMCU loan. Cannot be combined with any other offers.

Minimum credit score of 680 to qualify for promotion. The maturity of the loan will increase by up to 2 months and interest will continue to accrue. Other restrictions may apply. Ask for details. Offer valid on loan applications submitted June 29, 2020, through September 15, 2020. CMCU reserves the right to terminate promotion at any time.

Auto Loans with a 90 day no payment:
Minimum APR loan payment example for vehicles 2012 and newer: $10,000 for 36 months including a $50 doc prep fee, will have a 2.748% APR and a $289.54 monthly payment. Max term varies based off credit score and year of collateral.

Other promotional auto offers available for purchases and refinances.

Rates subject to change. Equal Opportunity Lender. Insured by NCUA.

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