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Auto Loans



Now through November 15, 2018, you can lower your monthly auto loan payment 0.25% from your current rate by taking advantage of our special auto loan refinancing offer. Plus, receive a $25 Visa gift card upon loan closing! Apply to get started today.

  • Offer subject to credit approval.
  • Refinanced loan must be transferred from another financial institution.
  • A $25 Visa gift card will be available for loans over $5,000 and presented upon (or mailed after) disbursement of auto loan.
  • Offer valid 10/1/2018 - 11/15/2018.
  • Disclosed rates are subject to change at any time and may vary based on credit history, term and relationship with the Credit Union.
  • Rates are as low as 2.74% APR.


You may be able to lower your monthly auto loan payment with UMCU’s amazingly low interest rates.

Loans available for new and used cars, sport utility vehicles, and trucks.

  • For well-qualified buyers, we offer 100% financing for new cars.
  • For well-qualified buyers, we finance up to the NADA blue book retail value.
  • Fixed rate loan terms up to 84 months.
  • Protect your family, assets and credit rating by reducing financial burden during specified life event losses; including unemployment, loss of life, or disability. To learn how you can purchase this additional protection, click here.

Full insurance coverage is required and proof of insurance must be provided at the time the loan is disbursed. We can also refinance your existing auto loan at another bank or finance company.

If you are interested in researching or comparing your next automobile, UMCU has the perfect tool to help.  Click on the box below or click on this link to discover "Auto Buying Made Easy".

Applying is Easy!

  • Apply online through the APPLY NOW button.
  • Visit one of our branches.
  • Call the Contact Center (800-968-8628 or 734-662-8200) and ask for an application.
  • Finance with UMCU at several participating dealers. To discover if your favorite dealer participates in UMCU financing, click here.


UMCU Online Banking loginUMCU Financial Calculators
Equal Housing Opportunity National Credit Union Administration
Federally Insured by NCUA.
734-662-8200 or 800-968-8628