New and Used Auto Loans

LOAN APPLICATION (4,648.44 KB)

Click here for a LOAN APPLICATION you can print, complete and return to the CU. (Requires Acrobat Reader)

We consider an automobile to be NEW and eligible to receive the New Auto interest rate if it is the current model year with less than 6,000 miles or the previous model year with less than 12,000. Our maximum term is 72 months. We MATCH dealer rates when possible for eligible borrowers; and we provide an additional 0.50% discount for "green" cars with at least 35 MPG. We offer monthly, semi-monthly, weekly and bi-weekly payment options on all consumer loans.

We finance USED autos for any model year as long as the vehicle has a National Automobile Dealers Association (NADA) valuation. Depending on the age of the vehicle, we will finance up to sixty months but will always encourage or sometimes require a shorter term so that your auto can be paid for with as little finance charge (interest) as possible while still being an affordable payment. We finance classic vehicles as well as recreational motor homes, motorcycles, scooters and other motorized vehicles.

Buying a car? See us first and save!

We want you to get the best car at the best price and with the best financing. Use our resources to ensure that you are buying a reliable car at a fair price. You can apply for a loan even before you shop for a vehicle - we can pre-approve a loan for you so you can compare our interest rates to any other offers you may receive, and know your financing is ready to go when you need it. Members of the credit union can complete a loan application over the phone. You can also pick up our application at the office or here on our website.

Buying or selling a car? We help with more than just loans.
Most members know that the credit union offers excellent used and new car rates. But we have other services that can save you hundreds of dollars on a car purchase, or ensure that you get a good price for a car you are selling or trading in, including:

Free valuation of a used vehicle: We subscribe to the National Automobile Dealers Association (NADA) "Blue Book" website; if you provide us the mileage, make/model/year and (ideally) the VIN, too, we can tell you a fair purchase price or trade-in value for a vehicle.

Free access to consumer information on "Used Cars to Avoid" and "Recommended Used Cars": Save yourself grief and money by steering clear of cars that are prone to problems and choosing one with good ratings.

Recommendation on places to evaluate the car BEFORE you buy: Either of two area auto repair businesses can tell you in a brief visit whether the vehicle is likely to need major money put into it for repairs. Having knowledgeable, impartial experts look at a car before you buy can help you choose well and save lots of money and grief.

To take advantage of any of these services, write or call Deniz Akman at 585-461-2230, x16 or pooc.eeseneg@zined.


Our Members make the difference.

Member Since 1993

"I was working at Godiva's clothing store on Monroe Avenue when the credit union opened just down the street; so I decided to use them for my checking and savings accounts. Everyone there was friendly and community-oriented. Then I needed a used car loan and they helped with that too. Most importantly, in 2004, I got my mortgage through them, a 30-year-fixed at less than 6 percent interest. It took about a year to secure because the house had to be rehabilitated but they helped me discover the Southwedge Planning Committee to make it happen. It was exciting. They also helped my wife, who is from Colombia (South America), establish credit. In the meantime, they've helped me with my second and third car loans. I like the fact that they're in the neighborhood and when you walk in, the atmosphere just feels friendly. One of my friends had her artwork displayed on the walls. The credit union has helped me a lot and I've always referred my friends there."

Patrick Denney


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