New, used, older, or refinanced from another lender — MCCU underwrites auto loans right here in Missouri, and members can take up to 1% off the approved rate.
Pre-qualify before you start looking, then negotiate on price instead of monthly payment.
New, used, or refinance — local underwriting, no surprises.
Max LTV 140%. Max mileage = 15k or more will be considered used auto. LTV is Loan To Value.
Max LTV 140%. Max mileage = 150k. LTV is Loan To Value.
Max LTV 140%. Max mileage = 150k. LTV is Loan To Value.
Max LTV 80%. Max mileage = 150k. LTV is Loan To Value. For 2016 and older, max term is 48 months; add 2% to the above rates.
Max LTV 140% (80% on 2017 – 2019 models). Max mileage = 15k on new, 150k on used. For 2016 and older, max term is 48 months; add 2% to the above rates. Loan rates effective July 16, 2026. APR = Annual Percentage Rate. LTV = Loan to Value. All rates are subject to credit approval, loan-to-value, and other underwriting factors. Interest rates are subject to change. Federally insured by NCUA. MCCU NMLS #477560.
Long-term financing for the toys and the trips.
Max LTV 110%. LTV is Loan To Value. 61 – 72 months not available in all categories.
Max LTV 110%. LTV is Loan To Value.
Max LTV 110% – 75%. Used boat/RV adds 0.50%. 85 – 180 months not available in all categories. *Minimum loan amount of $50,000.
Max LTV 110% – 75%. Must mature by 25 years old. 85 – 180 months not available in all categories. *Minimum loan amount of $50,000.
Motorcycle: max LTV 110%. Boat / RV: max LTV 110% – 75%, must mature by 25 years old. 85 – 180 months not available in all categories; minimum loan amount $50,000 for the longest terms. Loan rates effective July 16, 2026.
None of this is required to get approved. It's here for the members who'd rather not find out what happens if the car is totaled, or if the paychecks stop.
Total your vehicle and insurance pays what it was worth — not what you still owe. GAP covers that difference, for a flat $499 no matter the size of the loan.
Optional coverage that steps in on your loan if you pass away, become disabled, or lose your job — so the payment isn't the thing your family deals with first.
Optional extended warranties on the vehicle you're financing, so a transmission at year six doesn't land on a credit card.
Adjust the amount, rate, and term — and watch your monthly payment update instantly. Tick the bonus reductions you qualify for and watch the rate come down.
Starts at the lowest published rate for 60 months (2025 – 2027 new vehicle), effective July 16, 2026.
Reductions come off your approved rate and stack to a maximum of 1.00%. None apply to rates below 4.00%. Not every reduction applies to every loan type, and all are subject to eligibility and credit approval — see the full schedule.
Estimate only. Excludes taxes, insurance, fees, and PMI. Actual rate depends on creditworthiness, term, and other factors.
*Estimate is for informational purposes only and assumes a fixed-rate loan. Actual rate and payment depend on creditworthiness and other factors.
Do more with MCCU and pay less for your loan. Stack bonus reductions for your loan-to-value, an MCCU checking account with a debit card, direct deposit, and automatic payment.
Apply online, in person, or over the phone in just minutes.
Send in your documentation — we make this part painless.
Sign your final paperwork and start the next chapter.
