Vehicle Loans


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Make MidUSA your first stop for vehicle financing. With competitive rates and terms, make sure you consult with a MidUSA associate prior to making financing and/or potential rebate decisions at a dealership. As a MidUSA member, the credit union will work with you to identify your best financing options and preapprove you BEFORE you shop. You can also make payments quickly and easily through the MidUSA CU Payroll Deduction service or Account to Account (A2A) Transfer Service. You may apply online or stop in to any location.

 APR* AS LOW AS
New Auto2.94%*
Used Auto2.94%*
New Motorcycle4.49%*
Used Motorcycles4.49%*
New Boats, RVs, Other Collateral7.49%*
Used Boats, RVs, Other Collateral8.99%*

New & Used Car, Truck and Van Loans

Finance your new or used vehicle with MidUSA Credit Union. We offer 100% financing and terms up to 84 months with competitive rates.

New & Used Motorcycles

MidUSA CU offers financing on new and used motorcycles at a competitive rate with terms up to 60 months.

New & Used Boats

Finance your new or used boat with MidUSA Credit Union. We offer competitive rates and flexible terms up to 84 months, depending on the amount financed.

New & Used RVs

MidUSA CU offers competitive rates and flexible terms up to 84 months, depending on the amount financed.

Subject to credit approval. Some restrictions may apply. Contact a MidUSA Credit Union associate for details.

Apply Here or Print an Application

You may apply online or print an application to complete and submit to MidUSA Credit Union.

Figure a Payment

Use MidUSA’s Financial Calculators to calculate loan payments.

Mechanical Breakdown Protection

Avoid costly vehicle repairs with Route 66 and their top-of-the-line extended warranty plans.  Their Mechanical Breakdown Protection extends coverage to virtually any make and model, regardless of age or mileage. Coverage is even transferable if you sell your vehicle before the plan expires.

Benefits you can count on:

  • Claims paid at the time of repair directly to the repair facilities
  • Repairs can be done at a licensed facility of your choosing
  • No deductible! *
  • Cost of coverage can be integrated into your loan with virtually no effect on your monthly payment
  • 30 day money back guarantee

All plans come with additional benefits:

  • 24 hour road side assistance
  • Rental vehicle assistance
  • Total loss refund

Buying a vehicle is one of the largest purchases you’ll make, so have it protected with a Route 66 warranty!  Contact a MidUSA representative for more details.

*Member is responsible for diagnostics, fluids, and any applicable sales tax. 

Guaranteed Asset Protection (GAP)

If the unexpected happens to your vehicle, you could lose more than just the vehicle; you could lose your entire investment.  For example, if you get into an accident and your vehicle is totaled, you can only expect your auto insurance to cover the residual value of your vehicle.  If by chance you owe more than the residual value, you could be required to cover the difference out of pocket!  With MidUSA’s Guaranteed Asset Protection, you can bridge the “gap” between the amount you owe and the amount your insurance company will pay on your behalf.

GAP insurance provides protection on both new and used vehicles with 4 great benefits:

1) Low cost protection at a one-time fee of $424 that comes with a 60 day free look

2) Protection up to 84 months and loan-to -value up to 125%

3) GAP will cover up to $1000 of your deductible if there is a “gap” after the primary insurance settlement is paid!*

4)  The GAP premium of $424 can be added to your loan with no effect on your monthly payment.  GAP can also be added after the loan closes.

* Deductible is covered as part of the deficiency balance and is not paid directly to the borrower

Auto Insurance

As a credit union member, you qualify for group rates, which could save you money on your auto insurance and your rate is guaranteed for a full year. To get an auto insurance quote online in minutes, go to MEMBERS Auto & Home Insurance.

The MEMBERS Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. 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 your credit union.
*Annual Percentage Rate (APR) valid on New and Used Auto loans for vehicles 2012 or newer, up to 63 months, and based upon current loan limits that are approved under normal underwriting conditions. APR and term may vary depending on each individual’s credit history and underwriting factors.  Member is not required to make any payments for up to 90 days after the date the loan is closed, but interest accrues.