Resources to Help You Borrow Smarter

Buying a car or applying for a loan can feel overwhelming. At MCT FCU, we give our members the tools, guidance, and resources they need to save money, avoid pitfalls, and feel confident every step of the way. Here’s how we put experience on your side: 

Helpful Tools & Calculators

• Estimate your monthly loan payments before committing.

• See how extra payments shorten your loan term.  

• Compare different financing options with ease.  

Knowledge puts you in control, and our calculators make planning simple. 

Auto Loan Tips

Over years of lending, one fact has remained constant: pre-approved buyers have the upper hand. Walking into a dealership with financing in place means you skip the pressure and markups and go straight to choosing your car. Pre-approval from MCT FCU helps you: 

• Negotiate from a position of strength. 

• Avoid high-cost dealer financing traps. 

• Save time and money on your purchase.

Winning the Car Buying Game

Dealerships employ tactics to maximize their profits, bundling financing, pushing add-ons, or inflating monthly payment quotes. MCT FCU helps you avoid those traps with clear guidance: 

• Negotiate the price before discussing trade-in or financing. 

• Know the fair value of your trade and the dealer’s true cost. 

• Avoid unnecessary “add-ons” like fabric protection or VIN etching. 

Our priority is keeping more money in your pocket, not theirs. 

Extended Warranties & Financing Options 

Extended warranties and dealer financing often benefit the seller more than the buyer. As a member-owned credit union, MCT FCU works only in your best interest. With us, you’ll find financing that is fair, transparent, and tailored to your budget. 

Protect What Matters

GAP Insurance

Vehicles depreciate quickly, and accidents can leave you owing more than your car is worth. GAP coverage bridges that difference, protecting your finances in the event of the unexpected. 

TruStage® Insurance

Life is unpredictable, but your peace of mind doesn’t have to be. As an MCT FCU member, you have access to TruStage Insurance products designed with credit union members in mind. From auto to life to property coverage, TruStage® gives you affordable options to protect the people and things that matter most.

Here When You Need Us

From online calculators to insurance protection and hands-on guidance, we’re here to support you through the buying and borrowing process. At MCT FCU, you’re not just another customer; you’re a member, and your success is our mission.