OnPoint Auto Center

Auto financing at participating dealerships

• Get an OnPoint auto loan within minutes even when your branch is closed
• Hundreds of participating dealerships. Search for a participating dealership.

Driver’s Seat^SM Auto Loan

• Designed for first-time auto buyers
• Establish credit without a co-signer
• Fast, easy application process
• Up to 100% financing
• Competitive interest rate
• No loan fees

Go green and get a rate discount!

• Better rates for vehicles that meet EPA’s SmartWay Elite Vehicle criteria
• Learn more and find qualifying vehicles

Sign-Up for Rate Alert
Auto Loan Rates5Rates Effective: July 1, 2010
	Maximum Repayment Period	Annual Percentage Rate (fixed) with Automatic Payment1	Annual Percentage Rate (fixed) with Regular Payment	Maximum Amount Financed
Cars, Trucks, Vans - New (2009 & 2010)2	36 months	2.99%	3.49%	100%
	48 months	2.99%	3.49%	100%
	60 months	3.24%	3.74%	100%
	72 months	3.74%	4.24%	100%
	84 months3	4.24%	N/A	100%
Cars, Trucks, Vans - Used (2001 - 2008)2	36 months	3.74%	4.24%	100%
	48 months	3.74%	4.24%	100%
	60 months	3.99%	4.49%	100%
	72 months4	4.49%	4.99%	100%
1Automatic payments are deducted from your OnPoint checking or savings account. Rate increase if Automatic Payment not used. 2Vehicles meeting EPA SmartWay Elite standards receive a 0.50% discount off APR. Discount does not apply to existing OnPoint auto loans or promotional pricing. 3Minimum loan amount is $15,000.00 on 84-month auto loan term. 472-month term is available only for 2007 and 2008 vehicle model years. 5A 48-month new auto loan with an APR of 2.99% would have a monthly payment of $22.13 per $1,000 borrowed. A 48-month used auto loan with an APR of 3.74% would have a monthly payment of $22.46 per $1,000 borrowed. Must meet OnPoint's membership and credit requirements.

Sign-Up for Rate Alert
Drivers SeatSM Auto Loan Rates4Rates Effective: January 1, 2010
	Maximum Repayment Period	Annual Percentage Rate (fixed) with Automatic Payment2	Maximum Amount Financed
Cars, Trucks, Vans - New (2009 & 2010)	36 months	9.49%3	100%
	48 months	9.49%3	100%
	60 months	9.49%3	100%
	72 months	9.49%3	100%
	84 months1	9.74%	100%
Cars, Trucks, Vans - Used (2001 - 2008)	36 months	9.74%3	100%
	48 months	9.74%3	100%
	60 months	9.74%3	100%
1Minimum loan amount is $15,000.00 and maximum loan amount is $20,000 on 84-month auto loan term. Automatic payment required. 2Vehicles meeting EPA SmartWay Elite standards receive a 0.50% discount off APR. Discount does not apply to existing OnPoint auto loans. 3Automatic payment required. Maximum loan amount is $20,000. 4A 60-month new Driver's Seat auto loan with an APR of 9.49% would have a monthly payment of $21.00 per $1,000 borrowed. A 60-month used Driver's Seat auto loan with an APR of 9.74% would have a monthly payment of $21.12 per $1,000 borrowed. Must meet OnPoint's membership and credit requirements.

Update Auto Insurance Information
Update your Auto Insurance information related to a loan with OnPoint Community Credit Union.

Protect Your Investments
MBP Protection: MBP provides protection against mechanical breakdowns above and beyond the original manufacturer's warranty.
GAP Protection: GAP covers the deficiency balance on your loan in the event of a total loss.
Debt Protection: Debt Protection protects your family's financial future.