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Auto Loan Center

New Vehicles (Model year 2017, 2018 & 2019)

Our new vehicle financing rates apply to both purchases and refinance transactions if the vehicle mileage is under 20,000.  Repayment terms of up to 84 months are available, depending on your credit and the vehicle cost. Depending on your credit, we can finance the entire cost of the vehicle.

Used Vehicles

2016 through 2010 models may be financed (from a dealer or private party) or refinanced with a Used Auto or Truck Loan.  Repayment terms of up to 72 months are available.  Depending on your credit, loans of up to 105% of value are available.

Used Vehicles

2009 through 2005 models: Loans for vehicles back through the 2005 model year are available for those with good credit, provided the vehicle has a value of $5,000 or greater. A minimum down payment of 5% is required.

For dealer purchases, you may complete your purchase with an Autodraft, a pre-approved check given to you by the Credit Union which you complete and give to the dealer. The Autodraft includes a not-to-exceed loan amount and is valid for 60-days.

Get Pre-Approved!

Apply for the maximum loan amount that you’ll need and we will pre-approve your credit. Credit pre-approvals are valid for up to 45-days and will include down payment requirements (if any), your estimated payment and loan repayment term.

Is Loan Credit Insurance Right For You?

Protect your payment and credit with low-cost credit insurance. Credit Life or Accident and Sickness Insurance that will repay your loan if you become disabled due to a covered illness or accident or in the event of your death. There are no medical questions or forms to complete.

Find Your Vehicle

Use AutoSMART to find your next vehicle from the online listing of over 13,000 auto dealers and more than 2.7 million vehicles. With AutoSMART, you may research vehicle pricing, values, safety, recall & efficiency Information!

Additional Research

Get vehicle safety, rollover and crash test information and see if a vehicle was included in a safety recall at the U.S. Department of Transportation's website www.safercar.gov.  Research fuel mileage information at www.fueleconomy.gov. Stop by our office to review the Consumer Reports new and used vehicle reviews and repair ratings to determine which vehicle is best for you.

Vehicle Extended Warranties

Did you know that one in three vehicles has a mechanical failure in a given year? We are pleased to offer affordable Mechanical Breakdown Protection coverage through Route 66. Plans for autos and trucks start around $1,395. There are different plans and different levels of coverage. Warranties are available even if your loan isn't with the Credit Union. Click here for detailed auto and truck extended warranty coverage information. Click here for detailed motorcycle and ATV extended warranty coverage information.

  • $0 Deductible
  • Nationwide Coverage
  • Includes 24/7/365 Emergency Roadside Service
  • 30 Day Money-Back Guarantee
  • Transferable
  • Available on most 2010 or newer models with up to 120,000 miles

GAP - Guaranteed Auto Protection

Will your insurance pay off your loan if your car is totaled? GAP Plus protects you financially if your vehicle is totaled or stolen.

Most people believe that if their vehicle is totaled or stolen, their primary insurance will pay off their loan balances. Well, think again! If your vehicle is totaled or stolen, your primary insurance carrier will usually pay only the actual cash value (current market value) of your vehicle less your deductible. This amount could be substantially lower than your loan balance. The final result is a financial GAP where you must pay the difference between your loan balance and your insurance settlement, which could mean thousands of dollars out of your pocket. GAP Plus coverage eliminates the out-of-pocket expense you would incur to pay off your loan should your vehicle be stolen or totaled. GAP Plus also provides $1,000 towards your replacement vehicle if you finance with LMFCU.

The cost for GAP Plus is only $329. Most dealers charge between $500 to $999 for the same coverage!

Find Out More with CarFax

Carfax vehicle history reports provide the first step in protecting yourself against buying a used vehicle with costly hidden problems. Carfax searches its nationwide database and provides a detailed vehicle history report in seconds. Get up to 2 FREE Carfax reports if you are pre-approved for a vehicle loan.

Experienced Auto Advisors

Purchasing a vehicle can be a nerve wracking and difficult task. Don’t get played by the dealer.  Once you are pre-approved for an auto loan. Feel free to ask our experienced vehicle loan specialists for tips on purchasing your vehicle.

Research Vehicle Pricing, Values, Safety, Recall & Efficiency Information on AutoSMART!


  • New, used & certified pre-owned online inventory of over 2.7 million vehicles offered at over 13,000 participating auto dealers.
  • Ability to request a quote on a specific new or used vehicle.
  • The quote is sent to multiple dealerships.
  • Build your own new vehicle and request a price quote.
  • Ability to perform a side-by-side comparison of several vehicles.
  • New and used vehicle pricing (used values from NADA).
  • Ability to purchase a CarFax vehicle report online with a credit or debit card.
  • AutoSMART Smart Phone App!
    Our AutoSMART website is accessible with your iPhone or Android mobile device. You can shop and research your next new or used vehicle, scan through area dealer inventories, request vehicle quotes - all from the palm of your hand.