Finish the year in the driver’s seat.
For a limited time, get a 4.99% APR* fixed auto loan rate on eligible new and used vehicles (model year 2021 or newer). With terms up to 72 months and no application fee, your next move can start here. Offer ends December 31, 2026. Available to well-qualified borrowers.
A great rate. A clearer road ahead.
More ways to move forward.
4.99% promotional APR* fixed auto loan rate for well-qualified borrowers.
- Terms up to 72 months
- Predictable fixed-rate payments
- No application fee
- New and used vehicles, model year 2021 or newer
- Apply November 1–December 31, 2026; funds disbursed within 30 days
Already have a car? Explore refinancing.
A new loan could be your next smart move.
MMFCU also offers auto refinancing. Explore your options for an existing vehicle loan.
Make everyday banking part of the plan.
Kasasa Checking can help you manage more than the road ahead.
Enjoy rewards, no monthly fees and convenient digital tools for everyday banking and loan payment management.
Holiday Auto Loan:
Frequently Asked Questions
What is the promotional rate? 4.99% APR* fixed for well-qualified borrowers, subject to approval.
Which vehicles are eligible? New and used vehicles, model year 2021 or newer, subject to underwriting.
How long can I finance? Up to 72 months; actual terms depend on approval.
Is there an application fee? No.
When must I apply? By December 31, 2026. Funds must be disbursed within 30 days.
Can I refinance? MMFCU offers auto refinancing; promotional refinance rate, terms and eligibility are pending confirmation.
Do I need to be a member? Membership eligibility and any required joining steps must be confirmed by MMFCU before publication.
APR = Annual Percentage Rate. Promotional rate is available for a limited time only (11/1/26 – 12/31/26). Terms up to 72 months, subject to credit approval. Auto loan application must be received during the promotional period. Funds must be distributed within 30 days of loan approval. Rates, terms, and conditions may vary based on creditworthiness, vehicle type, and collateral. No other discounts apply. Offer may be withdrawn at any time. Credit and income requirements apply. Loan approval is based on individual creditworthiness, including credit history, income verification, and ability to repay. Federally insured by NCUA
