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Auto Loans

Get the vehicle you want and the payment you deserve with an auto loan from City & County Credit Union. You'll get the same low auto loan rates for most new and used vehicles. Borrowers who qualify for a City & County auto loan also can drive away with:

  • Flexible loan terms 
  • No payments for 90 days
  • Up to 100% financing, including tax, license and extended warranty 


Whether you are shopping for a new or used vehicle, motorcycle, RV or boat, you can:

  • Be pre-approved for a loan before you head to the dealership. You can apply online, by phone or at any of our City & County offices.
  • Refinance and save. If you are already financed at the dealership, compare your rate with City & County's affordable auto loan rates and see how much you can save!

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"I tell everyone about City & County Credit Union. The staff helped me
refinance two auto loans, and I now save $353 each month and will
save over $15,000 at the end of my loans. I couldn't be happier."

- Alyssa, Member since 2015

Additional Benefits and Programs for City & County Members

CU Auto

When you think of buying a new car, do you automatically get stressed out? Don't worry - we get it. That's why we've partnered with CU Auto in the Twin Cities metro area.

Choose the make, model and options you want and the car buying experts at CU Auto will search their network of dealers to find your dream car for substantial savings. Plus - they'll even help you get the most trade in value on your current car. 

Learn More About CU Auto
Mechanical Repair Coverage

Car problems are inconvenient and expensive so be prepared. Smart drivers are choosing MEMBER’S CHOICE® Mechanical Repair Coverage. It helps protect you against many of the costly repairs no longer covered by your vehicle’s manufacturer’s warranty. Purchasing Mechanical Repair Coverage may be a wise decision and could save you thousands of dollars in future repair costs.

To estimate what the cost of your coverage would be, complete our Loan Calculator.

To add Mechanical Repair Coverage to your auto loan, call or visit a branch today!

Mechanical Repair Coverage
Guaranteed Asset Protection PLUS

GAP PLUS is designed to help fill the gap between what your vehicle insurance will pay and what you owe on you loan. It cushions you against sudden out-of-pocket expenses if your vehicle is totaled. GAP Plus may cancel part of your next loan with your credit union when you purchase a replacement vehicle.

To estimate what the cost of your coverage would be, complete our Loan Calculator.

To add GAP PLUS to your auto loan, call or visit a branch today!

Guaranteed Asset Protection
Debt Protection

Help be prepared for the unexpected with Debt Protection on your auto loan. Debt Protection can help your family by canceling loan payments or even your loan balance, up to the contract maximums, when you are faced with an unexpected protected event such as loss of life, disability, or unemployment.

To estimate what the cost of your coverage would be, complete our Loan Calculator.

To add Debt Protection to your auto loan, call or visit a branch today!

Debt Protection
Auto Insurance

City & County has teamed up with TruStage Insurance to offer members significant savings on Auto Insurance. Get a quote today and see how much you could save.

Auto Insurance Quote

What is the address for sending in loan payments?

City & County Credit Union
144 11th Street E
Saint Paul, MN 55101-2332

What is the address for sending in lien cards?

City & County Credit Union
1659 Cope Ave E
Maplewood, MN 55109

Mechanical Repair Coverage
Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product.

Guaranteed Asset Protection (GAP)
Your purchase of MEMBERS CHOICE™️ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.

Auto Insurance
Coverage provided and underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. 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 City & County Credit Union.

Auto, boat, RV and motorcycle loan terms range from 0 to 72 months with a maximum annual percentage rate (APR) of 18.00% as of 11/4/2021. A $15,000 loan at 2.99% APR for 36 months results in 35 payments of $436.17 and a final payment of $435.89. Loan payment and APR will vary based on the loan amount, the term and other credit qualifications. Rates are subject to change. Other restrictions may apply. There are no origination fees.


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