Drive Happy!

Feel the excitement of a new car purchase! Whether it’s a used car or just pulled off the dealer’s lot, we can finance your next vehicle. We offer competitive rates, calculate payments, research vehicles, and more. Car dealers know cars. We know financing. Let our experts help with your next auto loan!

Apply for an Auto Loan

Can I lock in my interest rate while I shop around?

Yes! Money FCU offers a 90-day rate lock guarantee for auto loans when you get pre-approved. Finding the right vehicle and negotiating the best price can take time. You don’t also need to stress about your rate going up. You’re locked in for 3 months. If rates go down, we’ll give you the lower one, so you’re covered either way when you get pre-approved.

The power of getting pre-approved.

You’ll be armed with a powerful negotiating tool if you know what you can spend and interest rate before walking into the dealership. In some ways, buying a car is like playing a game. If you know the rules, you’ll be able to strategize effectively. Getting pre-approved means you have more power to negotiate. You can focus on the price of the car, not the loan.

0% financing isn’t always the best deal.

0% financing sounds enticing, but sometimes a 0% interest rate isn’t the better option. Often the dealership excludes rebates or price incentives because you’re taking preferred financing. You may find with 0% that you’ll end up paying hundreds or thousands more by the end of the loan term. You always want to do the math, and we’re happy to help you determine if you’re getting a good deal.

New Auto/Motorcycle Loans*1

1 Year 5.24%
2 Year 5.24%
3 Year 5.24%
4 Year 5.49%
5 Year 5.49%
6 Year 5.74%
7 Year  minimum loan amount $25,000 5.99%

Used Auto/Motorcycle Loans*1
2014 and newer

1 Year 5.49%
2 Year  maximum term for 2014-2015 models 5.49%
3 Year 5.49%
4 Year  maximum term for 2016-2017 models 5.74%
5 Year 5.74%
6 Year 5.99%
7 Year  minimum loan amount $25,000 6.24%

Home Improvement Loan*3

1 Year 6.99%
2 Year 6.99%
3 Year 6.99%
4 Year 7.24%
5 Year 7.49%
6 Year  minimum loan amount $12,000 7.74%
7 Year  minimum loan amount $12,000 7.99%

Home Equity – No Closing Costs!6
Only available within the following Central New York counties: Onondaga, Oswego, Madison, and Cayuga

See estimated closing costs for a Home Equity Loan or HELOC (NO CLOSING COSTS FOR A LIMITED TIME)

What you should know about HELOC

5 Years 10 Years 15 Years
Loan* 6.50% fixed 6.75% fixed 7.00% fixed
Home Equity Line of Credit 7.75% variable

Our mortgage rates are extremely competitive and you have the advantage of a local lender who knows the local market. We can help you purchase the perfect home or refinance your current home. Buying a home and getting a mortgage can be complicated, but not with Money FCU. Partner with us for competitive rates and help in simplifying the entire home-buying experience. To help simplify the mortgage process, we are pleased to work with OwnersChoice. They understand us and our members because they work exclusively with credit unions.

Our Mortgage Center
Owner’s Choice Mortgage Rates

Student Loans *2

Undergraduate Student Loan – more information as low as 6.49% APR
Student Consolidation Loan – more information as low as 4.99% APR

Other Loans

1 Year 2 Year 3 Year 4 Year 5 Year
Christmas Loan* (seasonal) N/A N/A N/A N/A N/A
Personal Loan / Pool & Spa*1 8.24% 8.24% 8.24% 8.74% 8.99%
Savings Secured* 5.50% 5.50% 5.50% 5.50% 5.50%
Debt Consolidation*1 9.74% 9.74% 9.74% 10.24% 10.49%
Overdraft Line of Credit 14.75% variable
Secured Line of Credit 8.25% variable
Credit Builder* as low as 5.50%
Credit Cards More information

Camper / RV   | 2014 and newer*1 | Maximum amount $100,000 | 8, 9, and 10-year terms for new models only

1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year
8.74% 8.74% 8.74% 9.24% 9.74% 10.24% 10.74% 11.24% 11.74% 12.24%
Get Pre-approved

We’ll beat dealer financing!

If you were approved for an auto loan at the dealership or another lender, let us know what interest rate you were offered. Money FCU will gladly look to see if we can match or beat their rate. Doing your research will never hurt the price the dealer is offering.

We offer the same add-ons as the dealer, usually at a lower price. We’re here to help you and protect your new car, not price gouge.

Suppose your vehicle is stolen or totaled in an accident. GAP insurance helps make up the difference between the insurance settlement and what you owe on your auto loan. Cars depreciate quickly. So, if the vehicle is totaled, your insurance often doesn’t pay out as much as you owe on the car. In this case, this is where GAP coverage kicks in. It’s only $214 to cover you for the life of your auto loan.

For our warranty program, our partnership with IWS allows us to offer you many comprehensive and flexible warranty programs that you could also get through the dealer, but at a fraction of the cost. Together, Money FCU and IWS help you protect your investment and relieve the pressure of unexpected repairs. Want a quote to compare our warranty program with the dealer’s? Contact one of our lending specialists at (315) 671-4000 or get a quote directly from our warranty partner at 800-333-3028.

The Credit Union is where I got my start and has always taken good care of me despite moving 10 different times.

Bruce – Tallahassee, FL
credit union testimonial Kelli

You guys are always so friendly when I call, I love calling all of you because you’re always so upbeat and nice!

Kelli – DeWitt, NY

I started banking with you in 2000, almost 19 years ago. Best bank ever, I moved to CA and you made banking easy when doing electronic banking wasn’t really popular yet.

Jesse – Syracuse, NY

Everything, anything you guys do with me is done 200%. I KNOW that you’ve got my back.  Thank you for this, and for everything you help me with. I truly appreciate it.

Marian – Mahopac, NY

I commend your staff; they are always very pleasant and willing to assist my needs.  Customer Service is very important to me and the credit union definitely shines in this area.

Kathy – Clay, NY

This is by far the best credit union, you guys are so good, you’re always on top of everything and you make me feel like my account is safe.

Regina – Phoenix, NY

I do not say it often enough, but you have great staff!  Nothing is ever a problem, they are terrific!  Amy just helped me out big time and Debbie is always my #1 at the credit union.

Jeff – Wake Forest, NC

I just wanted you to know that it is so nice to get a real person when I call in instead of an automated machine.  I really appreciate it.

Anne – Pittsboro, NC

I just LOVE all of you there. People ask me why I use a credit union in Syracuse and I tell them you can’t beat the customer service!

Denise – Monroe, NY

Thank you for watching for fraudulent activity so diligently.  Not only do you notify me when there is suspicious activity, but you are quick to help recover the money.

Sandy – Liverpool, NY

I’ve been in Charlotte for 7 seven years and I will not change banks because of this type of customer service.

Elliot – Charlotte, NC
credit union testimonial Catherine

Thank you MFCU for all the work you do and for really treating your customers like family.

Catherine – Baltimore, MD
credit union testimonial Michelle

I have to say it again – our credit union is absolutely the best! Hands down, no one else even comes close to the exceptional customer service and knowledge that you receive at Money FCU.

Michelle – Syracuse, NY
credit union testimonial Cindy

I told the car dealer I am sure that I want use Money for financing. The difference is only $7.00 per month. You have the very best customer service of any financial institution that I have worked with. Your customer service is worth every penny of the $7 per month and then some!

Cindy – Tully, NY
credit union testimonial Diane

Each representative takes a special interest in any request made, with coordinating efforts by everyone. At a time when I was in transition, MFCU gave attention to what I needed to continue with them, now over 40 years.

Diane – Wilton, CT
credit union testimonial Michael

I have been a member since 1987 and would NEVER, NEVER, EVER leave Money FCU under ANY circumstances!!

Michael – Clifton Park, NY
credit union testimonial Lisa

I wanted to let you know how much I love having Money instead of Chase! You guys have all been amazing since I have opened my account and I am so happy that I switched!!

Lisa – Syracuse, NY
credit union testimonial Henry

I just love Debbie. She’s my hero!

Henry – Gastonia, NC
credit union testomonial Tony

As we are wrapping details around our third vehicle loan inside of a year or so, I just want to say thank you again. Your customer service is off the charts, and you are a pleasure to deal with.

Anthony – Phoenix, NY
credit union testimonial Pat

Thank you to all of you! You girls are so wonderful! I love my credit union.

Pat – Syracuse, NY
credit union testimonial Lisa too

I thought I would take this opportunity to share with you what phenomenal employees you have. We couldn’t be happier to be blessed enough to have found MONEY FCU, and all that this bank encompasses.

Lisa – Baldwinsville, NY
credit union testimonial Angela

I moved everything out of M & T Bank to you because of the service I receive. I just love you guys!

Angela – Manlius, NY
credit union testimonial Robin

MONEY Federal Credit Union is people – a great group of people – who leave no doubt that while they are helping me, I am the most important thing going on that day.

Robin – Chappaqua, NY
credit union testimonial Jason

I am not sure who is working their magic, but without it my wife and I wouldn’t be able to purchase this house we fell in love with in a neighborhood we fell in love with. I truly appreciate everything Money Federal Credit Union does for my family!

Jason – Baldwinsville, NY


Kerry – Ossining, NY
credit union testimonial Erik

I have been a member since around 1992 or so and, even though I no longer work at Mutual of New York I have had nothing but excellent service from EVERYONE and I will never stray.

Erik – East Syracuse, NY

When you walk in the door you are always welcomed with a smile and happy greetings. Nothing is ever hard to do. When I need a loan it’s done and ready for me and I don’t even have to do anything! Just come in and sign!

Deb – Liverpool, NY
credit union testimonial Vera

You guys are the greatest. So professional and up to date with technology!

Vera – Warners, NY
credit union testimonial Danielle

I have been banking with MFCU since I was 17 years old. I left NY and banked with other companies but I came back to MFCU. I am so happy that I did!! Your staff has always been so helpful. I just figured you would want to know that your staff is great and they deserve an extra day off :)

Danielle – East Syracuse, NY
credit union testimonial Eileen

You guys haven’t changed a bit since I opened my account in 1987! You are all still so nice to deal with and I’m glad the changing times hasn’t hardened you into being unappreciative of your members. I now live in NJ and you are the best Credit Union I have ever had the pleasure of doing business with!

Eileen – North Arlington, NJ

I remember when I joined the CU in 1980 and you were located in a closet upstairs, and you would write the number of members and the percentage rate on a chalk board on the wall.

Joanne – Syracuse, NY

I just wanted to let you know that your staff has been so helpful since the move out of the building. The staff is always quick and kind. You said that a Credit Union is much like a Bank…I would say that the Credit Union is much better than a bank. I appreciate you guys!!

Michele – Baldwinsville, NY
credit union testimonial Lisa 3

I just wanted to let you know how awesome you are! I tell anyone who’ll listen about the GREAT customer service I get from the MONEY FCU. With commercial banks becoming less and less friendly and helpful and more and more costly, you guys are the best thing around!

Lisa – East Syracuse, NY
credit union testimonials John

I just went through one of the most painless processes getting a home improvement loan. I couldn’t believe how quick and smoothly everything went. I was quite impressed at the level of service. A special thank you also goes out to Debbie for her efficiency and for being so easy to work with!

John – Camillus, NY

I love you guys, one call and it’s done. Love, love, love you all.

Kathy – Fair Lawn, NJ

I just went through the process of taking out a car loan. If it weren’t for Melissa, I wouldn’t have been able to get things done. I wasn’t sure about what to do for so many things, but Melissa did! She was always there for me, quick, soooooo much help. Lucky for me I was smart enough to join your credit union years ago.

Katie – Syracuse, NY
credit union testimonials Meg

I am so grateful to have such kind and helpful people to work with on my banking needs.

Meg – Webster, NY
credit union testimonial Tom

When our office moved I decided to keep my account with you because I don’t mind the 10 minute drive downtown to deal with you guys because you’re always so helpful and friendly.

Tom – Syracuse, NY

I’m ready. How do I apply for auto financing or motorcycle financing?

Great, let’s get you started! Apply for auto and motorcycle financing. Want to learn more about any of our services? Call our friendly agents today at (315) 671-4000. We are ready to answer any of your banking questions.

Apply for an Auto Loan