New & used vehicles

The open road

You deserve the best rates on life's big purchases. We have your back when it comes to buying a car and getting you the loan that works for you.

Looking to purchase a new or used car, truck, or motorcycle?

Or thinking about refinancing your vehicle or motorcycle loan that you have with another financial provider? Look to us first.

  • Rates as low as 4.99% APR up to 36 months
  • Rates as low as 6.00% APR up to 60 months
  • Rate match today, call us! 651-646-8827
  • Terms up to 84 months for auto loans
  • GAP Plus Protection
  • Quick and easy application process
  • For used car sales, visit Koppy

Get Pre-Approved!

We get you pre-approved for a loan before you head to the dealer to help make your shopping and negotiating experience much smoother. 

1. Apply Online & Get Pre-Approved

2. Shop for a Vehicle​

3. Drive Away With Your New Ride

TruStage Car Insurance

Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 1-855-201-8999.

Gap Plus Protection

GAP pays the difference between the outstanding balance on your loan and the vehicle’s actual cash value, determined by your auto insurance carrier if your car is totaled. Another feature to GAP Plus is if your vehicle is totaled, you will receive $1,000 towards your next vehicle’s down payment. This feature is available for the life of the loan.

Auto Loan Rates

New and Used Vehicles 2024-2019
Term Rate APR*
36 4.99% 4.99%
48 5.49% 5.49%
60 6.00% 6.00%
72 6.29% 6.29%
84 (on vehicles $40,000+ only) 6.79% 6.79%
Used Vehicles 2018-2014
Term Rate APR*
36 6.49% 6.49%
48 6.99% 6.99%
60 7.24% 7.24%
Used Vehicles 2013-2010**
Term Rate APR*
36 7.54% 7.54%
48 7.79% 7.79%

*APR=Annual Percentage Rate. Rates and terms are based on approved credit, FICO Score and loan type. Automatic payment enrollment applicable from any Carpenters or other financial institution checking account.
**Loans on vehicles 2013-2010 are required to have GAP Insurance.
***All loans for vehicles with 100,000 miles or more are required to have GAP Insurance.
¹84 month term requires the vehicle to be 2019 and newer and the loan amount needs to be over $40,000.