New and Used Auto Loans

We offer 0.50% discount for "green" cars with at least 30 MPG.

We MATCH dealer rates when possible for eligible borrowers. Cannot be used in conjunction with any other incentives, see rates page for details.

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 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. 

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.

Questions? pooc.eeseneg@gnidnel02% or call one of our loan officers at 585-461-2230.


Our Members make the difference.

Member Since 2001

"The credit union has helped me straighten out my credit so I could own a home. They helped me every step of the way to homeownership right down to recommending and suggesting various avenues to save money and providing me with my first mortgage. They have always been there to make recommendations when I needed financial advice. I'm a member for life because they've made such a difference in my life."

June Capitulik


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