Membership Fueled Savings!

Whether you're refinancing your current auto loan or ready to purchase a new car, truck or SUV, using your credit union membership is just plain smart. As a not-for-profit financial cooperative, we' ready to help with rates and terms that make your auto loan more affordable than ever. And we'll even give you a loyal-member discount of up to 0.50% when you have your monthly payment automatically deducted from a USE checking account. It's the car you want at the savings you deserve.  

• Rates as low as 1.99% APR with auto-pay from a USE checking account¹
• Promotional rates good on vehicles 2010 and newer
• Affordable rates and terms available on autos 2009 and older
• Money-saving refinance options, too!
• No payment for 90 days²
• Borrow up to 125% of the vehicles base invoice on new autos
• Up to 115% financing on used cars
• Optional Credit Protection³ (makes your payment if you lose your job)

Costco Savings, too!
Enjoy Costco-sized savings on your next vehicle when you use the USE/Costco Auto Program! In addition to getting a great deal on your purchase, you'll also receive a one-year Costco Gold Star Membership or a $50 Costco Cash Card courtesy of USE⁴.  Find your next car and an authorized dealer at usecu.costcoauto.com.

Additional Resources at Your Fingetips:

• Insurance and Protection
• CARFAX Vehicle History
• Chrome Carbook
• Rebate vs. Finance Calculator
• Auto Loan Calculator

Here's how to apply:
To get pre-approved, here's all you do:

• Apply Online!
• Call our Auto Loan Hotline at (866) USE-4-YOU (873-4968)
• Visit your nearest USE branch

All loans subject to credit approval. Rates, terms and conditions subject to change without notice. 1. APRs are based on a specific level of creditworthiness, a new or used car purchase and a minimum loan amount of $10,000. 1.99% APR is based on approximately 24 monthly payments of $42.54 per $1,000 borrowed. 3.38% APR is based on approximately 72 monthly payments of $15.36 per $1,000 borrowed. Promotional rates apply to new and late model used cars 2010 and newer; other rates and terms available for older cars. Total rate discount cannot exceed 50% below our lowest base rate. 2. Finance charges begin accruing as of the loan origination date. 3. Credit Protection is a debt cancellation product available through USE Credit Union. 4. Offer requires that you purchase your vehicle through the USE/Costco Auto Program and finance it at USE Credit Union.  Loan funding required and you must also complete a Costco Member Satisfaction Survey. USE is not affiliated with the Affinity Development Group or Costco and its affiliates, and expresses no opinion about its products or services.