Go Further with Our New 96-Month Auto Loan Option
Big dreams deserve flexible financing.
Explore Your Offers
Whether you're upgrading to a luxury SUV, investing in a high-performance truck, or finally driving home the vehicle you've been eyeing, Members Credit Union now offers auto loans up to 96 months, designed for members who want lower monthly payments on higher-value vehicles.
Why Choose a 96-Month Auto Loan?
A longer term can mean:
Lower monthly payments
More room in your monthly budget
The ability to finance a higher-value vehicle comfortably
For qualifying members, this new option provides flexibility without compromising the benefits you expect from MCU.
Loan Details at a Glance:
Our 96-month auto loan option is available for:
2023–2026 model year vehicles
Loan amounts between $50,000 and $100,000
Maximum 110% Loan-to-Value (LTV)
Subject to credit approval
This option is ideal for members purchasing newer, higher-value vehicles who want manageable payments over time.
What Does 110% LTV Mean?
Financing up to 110% of the vehicle’s value can help cover additional costs like taxes, tags, or extended protection plans, giving you more flexibility at closing.
Is a 96-Month Term Right for You?
Every financial situation is unique. While longer terms can reduce monthly payments, it's important to consider how long you plan to keep the vehicle and your overall financial goals.
Our lending team is here to help you determine the best option for your budget.
Ready to Get Started?
Click Here
If you're shopping for a newer model vehicle and want to explore extended financing options, we’re here to help.
Apply online or contact Members Credit Union today to learn more about our new 96-month auto loan option.
Drive what you love — with financing that fits your life.
Members Credit Union membership required. For 96-month term, minimum loan is $50,000; maximum loan is $100,000. Valid on model years 2023–2026. Maximum LTV 110% to include applicable taxes, title, and eligible protection products. All loans subject to underwriting approval. Not all applicants will qualify. Offer not available on existing Members Credit Union loans. Rates & terms subject to change or cancel without prior notice.
Federally insured by NCUA.