Auto Main

About our Auto Loan Products
New Auto Loans- We will finance 100% of the sales price, plus tax, title and registration. You can finance for up to 72 months

Used Auto Loans- Vehicles with model years 1998-2007 are financed as used autos. We will finance 100%of NADA retail value for up to 60 months. Also, we finance used autos 1997 and older up to 48 months. See rate page for full details!

Finding your car
Be prepared! Use the links below to get educated on the car you're interested in purchasing. Then, make a wise consumer decision.

Next, check out our auto loan rates
Click here to find out our most current rates on new and used autos. When comparing rates, be sure you are comparing apples to apples. Our rates are calculated at simple daily interest rates. There are no prepayment penalties.

Click here to determine how much you'll be spending each month. Or go from the other direction and determine how much you want to spend each month to see how much of a car you can afford. There are over 25 financial calculators from which to choose .

What is GAP Insurance? Do you think your auto insurance covers you financially? If so, think again! In the event your auto is deemed a total loss due to an accident or theft,your auto insurance policy will usually cover the actual cash value or maket value of your vehicle less the deductible. GAP protects individuals who finance a new or used vehicle from a financial GAP. GAP covers the difference between the actual cash value of your vehicle and the loan/lease balance, less delinquent payments, late charges, refundable service warranty contracts and other insurance related charges, GAP will even cover your auto insurance deductible of $500.00 or $1000.00. The actual amount depends on your financial institutin's program limits. BONUS, if you finance your replacement vehicle within 90 days of the date your file an approved GAP claim and finance the vehicle with HMFCU, an additional amount of $500.00 or $1000.00 will be applied twoards the purchase price of your replacement behicle. The actual amount depends on your financial insititutions program lmits. Ask your loan office for complete details. What a bargain with a one-time cost of $325.00.