Have you been looking to get a better car, with lower payments? You can have the best of both worlds with our new Smart Buy Auto Loan* which combines the flexibility and ownership of conventional financing with the low cost benefit of leasing!

  • Ownership of the vehicle
  • New or Pre-Owned
  • Lower payments
  • Flexible terms
  • No upfront fees
  • No down payment
  • Up to 100% financing with no money down
  • Trade-in, sell, pay-off or refinance at any time

To estimate your vehicle payments, use our Smart Buy Auto Loan Calculator. This calculator is intended to provide approximate information about your loan payments and does not constitute an offer to extend credit. Your actual payment information may vary. Maximum term offered for this loan by the Credit Union is 72 months.

*ACCU membership is required. Not all applicants will qualify for the best rate. Rates, terms and conditions subject to credit approval. Cannot be combined with any other vehicle loan offers. $25 loan processing fee. Loan term available up to 72 months. Minimum loan balance is $20,000. At term end there will be a residual balance due. Member has options of satisfying residual balance or walking away from the vehicle at end of term. Excess mileage will be calculated at .10 per mile. A charge for excessive wear and tear as indicated in contract addendum may be charged to member if member picks walk away option This is a residual-based "walk away" balloon financing option, not a lease. Pricing of vehicle may change. Rates, terms and conditions are subject to change without notice. Contact credit union for full details. Other details as indicated in contract addendum will apply.