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Auto Loans
Rates as low as
4.99
% APR*
Our vehicle loans keep you moving
With a low rate, you have a lot more money available for your next road trip, or your daily commute.
You're in the driver's seat
Rates as low as 4.99% APR*
Choose terms up to 96 months
No payments for 90 days†
Affordable vehicle protection plans
EV or hybrid auto loans can receive an additional 0.25%1 discount off your qualified rate
LIMITED TIME: Receive 1% cash back on your total loan amount when you refinance your auto loan from another bank, credit union or lender
*APR = Annual Percentage Rate. Rates, terms, and special offers subject to change. Rate discount good for a new purchase only. Refinancing an existing Monterra Credit Union auto loan or a loan from another lender does not qualify for the rate discount. Discount can be combined with other offers. 1.Rate discount when financing an Electric (EV) of hybrid vehicle cannot exceed the floor rate. Available on new loans with terms 37 months or more and is valid through September 30, 2025.†No payment for 90 days offer applicable for new or used auto loans funded, for well-qualified buyers. Interest will accrue during deferment period from the loan origination date. The 90 day deferral is not eligible for cash out refinances. Conditions and restrictions may apply.