Auto Loans

Low Rates & No Payments for 90 Days

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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. Plus - enjoy additional perks & benefits that make financing simple & affordable. 

  • 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 you can:

  • Be pre-approved for a loan before you head to the dealership. You can apply online, by phone or at a branch.
  • 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!

"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

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 features 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. 

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!

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 your 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!

Debt Protection

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!

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 Loan Guide

Ready to hit the road in a new ride, but need financial support to make it happen? Applying for an auto loan and purchasing a new car can be a daunting task, especially with so much conflicting financial advice out there. But don’t let a random person at the dealership tell you what you can and can’t afford. 

This comprehensive ebook is the ultimate guide to automobile loans, answering all your burning questions, and demystifying the lending process. 

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

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.