CCCU Auto Loans

Get the vehicle you want and the payment you deserve with an auto loan from City & County Credit Union. CCCU offers the same low auto loan rates for most new and used vehicles. Borrowers who qualify for a CCCU auto loan also can drive away with: 

  • Flexible loan terms
  • No payments for 90 days
  • Up to 100% financing, including tax, license and extended warranty

As a credit union member, whether you are shopping for a new or used vehicle, motorcycle, RV or boat, you can:

  • Be pre-approved for a loan before you head to the dealership. You can apply online, by phone or at any of our CCCU offices.
  • Refinance and save. If you are already financed at the dealership, compare your rate with CCCU’s affordable auto loan rates in the Saint Paul area and see how much you can save!

CCCU Member Exclusive Auto Sale

Shop from over 150 high-quality, pre-owned vehicles from our preferred network of dealers. 

Preview Night
May 19 | 6-8 PM
Maplewood Branch
Take a sneak peek at the vehicles for sale and get pre-approved for an auto loan.

The Main Event
May 20 | 9 AM - 3 PM
Maplewood Branch
Trade in the old and drive home the new. 

Apply for Your Auto Loan Today! View Rates

"I tell everyone about City & County Credit Union. The staff helped me
refinance two auto loans, and I now save $353 each month and will
save over $15,000 at the end of my loans. I couldn't be happier."

- Alyssa, Member since 2015

Additional Benefits and Programs for CCCU Members

Let’s face it, shopping for a new or used vehicle and haggling with dealers is stressful. That is why CCCU has partnered with CU Auto to bring the Saint Paul area the  best and most hassle-free auto buying experience. Just choose the make, model and options you want, and the car buying experts at CU Auto will search their network of dealers to find your dream car for a substantial savings and help you get the most for your trade in – all at no cost to you. 

You never have to step foot into or haggle with a car dealership. In addition, our credit union members can take advantage of the following:

Auto Insurance Mechanical Repair Coverage Guaranteed Asset Protection PLUS

City & County has teamed up with TruStage Insurance to offer members significant savings on Auto Insurance. Get a quote today and see how much you could save.

Car problems are inconvenient and expensive so be prepared. Smart drivers are choosing MEMBER’S CHOICE® Mechanical Repair Coverage. It helps protect you against many of the costly repairs no longer covered by your vehicle’s manufacturer’s warranty. Purchasing Mechanical Repair Coverage may be a wise decision and could ultimately save you thousands of dollars in future repair costs.

To estimate what the cost of your coverage would be, complete our Loan Calculator. 

To add Mechanical Repair Coverage to your auto loan, call or visit a branch today! 

GAP PLUS  is designed to help fill the gap between what your vehicle insurance will pay and what you owe on your loan, to cushion you against sudden out-of-pocket expenses if your vehicle is totaled. GAP Plus may cancel part of your next loan with your credit union, when you purchase a replacement vehicle.

To estimate what the cost of your coverage would be, complete our Loan Calculator.

To add GAP PLUS to your auto loan, call or visit a branch today! 

Get A Quote on Auto Insurance Today! Learn More About Mechanical Repair Coverage Learn More About Guaranteed Asset Protection
Debt Protection

Help be prepared for the unexpected with Debt Protection on your auto loan. Debt Protection can help your family by canceling loan payments or even your loan balance, up to the contract maximums, when you are faced with an unexpected protected event such as loss of life, disability, or unemployment.

To add Debt Protection to your auto loan, call or visit a branch today! 

Learn more about Debt Protection 

Linked sites are not under the control of City & County Credit Union (CCCU). CCCU is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Security and privacy policies may differ from those practiced by CCCU. The credit union does not represent either the third party or the user if a transaction is entered into with a linked site.

Securities and investment advisory services offered through Financial Network Investment Corporation, member SIPC.   Not FDIC/NCUSIF insured  May go down in value   Not financial institution guaranteed  Not a deposit   Not insured by any federal government agency.

Coverage provided and underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by City & County Credit Union.

Auto, boat, RV and motorcycle loan terms range from 0 to 72 months with a maximum annual percentage rate (APR) of 18.00% as of 6/15/2016. A $10,000 loan at 2.49% APR will have a monthly payment of $177.44 for 60 months. A $10,000 loan at 2.59% APR will have a monthly payment of $288.58 for 36 months. Loan payment and APR will vary based on the loan amount, the term and other credit qualification. Rates are subject to change. Other restrictions may apply. There are no origination fees.

Tools & Resources

  • Calculators

  • Deposit Rates

  • Loan Rates

  • Forms