Important Note: We do not finance vehicles with a Salvaged Title, Lemon Law Buyback Title or Warranty Return Title.
All Rates Effective October 2026
| TERMS | APR* As Low As |
|---|---|
| 1 - 36 Months | 5.74% |
| 37 - 60 Months | 5.99% |
| 61 - 72 Months | 6.24% |
| 73 - 84 Months | 6.69% |
*We provide a 0.25% relationship discount on auto loans for members who have current or past loans with SMW 104 FCU.
Please call (800) 464-5987 for all current rates, terms and fees.
*APR – Annual Percentage Rate.
For all loans, the actual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, mileage, age of collateral, and the amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are no pre-payment penalties for repaying your loan early. All loans are subject to credit approval with the exception of Savings Secured Loans.
Important Note: We do not finance vehicles with a Salvaged Title, Lemon Law Buyback Title or Warranty Return Title.
All Rates Effective October 2026
| TERMS | APR* As Low As |
|---|---|
| 1 - 36 Months | 5.74% |
| 37 - 60 Months | 5.99% |
| 61 - 72 Months | 6.24% |
| 73 - 84 Months | 6.69% |
*We provide a 0.25% relationship discount on auto loans for members who have current or past loans with SMW 104 FCU.
Please call (800) 464-5987 for all current rates, terms and fees.
*APR – Annual Percentage Rate.
For all loans, the actual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, mileage, age of collateral, and the amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are no pre-payment penalties for repaying your loan early. All loans are subject to credit approval with the exception of Savings Secured Loans.
