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Auto Loans

New and Used Auto Loans

Benefits of Financing with SMW 104 FCU

  • Low interest rates
  • No prepayment penalty
  • Convenient payment options
  • Copy of dealer’s invoice price for new vehicles or Kelly Blue price for used vehicles
  • Guaranteed Asset Protection (GAP). Please contact the credit union for details and pricing.
  • Mechanical Breakdown Protection. Please contact the credit union for details and pricing.

Important Note: We do not finance vehicles with a Salvaged Title, Lemon Law Buyback Title or Warranty Return Title.

Auto Loan rates

All Rates Effective May 2024

New Autos

TERMS APR* As Low As
1 - 36 Months 6.49%
37 - 60 Months 6.74%
61 - 72 Months 6.99%
73 - 84 Months 7.44%

Used Autos

TERMS APR* As Low As
1 - 36 Months 6.99%
37 - 60 Months 7.49%
61 - 72 Months 7.99%
73 - 84 Months 8.49%

*We offer a relationship discount of 0.25% on auto loans for members with other existing and previous SMW 104 FCU loans.

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.

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