Ok, lets be honest - a luxury vehicle isn't for everyone. But all can appreciate luxury financing! That's why, at SMW we treat everyone like a VIP. Because no matter what kind of ride you have in mind (whether it's a family-friendly minivan with extra room or a mid-engine sports car with extra vroom), you deserve the best auto loan possible. Our experienced loan officers are standing by to help you PLUS we now offer rates as low as 3.99% / 4.272 APR (see payment example below).

WOW! Give us a call to see how we can help (651) 747-1500 Option 2. 

  • New and used vehicles
  • Model years 2019 – 2023 for new autos
  • Finance up to 110% of any new vehicle price, including taxes, license, and warranty
  • Flexible repayment terms available
  • Automatic payments available from your SMW FCU checking or savings account
  • Consider refinancing your existing auto loans for better terms
  • Local decision-making and processing by your community credit union
  • Attentive, friendly service from start to finish



*APR=Annual Percentage Rate. Rates are based on an evaluation of your credit history and other factors, so your rate may differ.  The 3.99% rate with a 4.272% APR (annual percentage rate) EXAMPLE would be for a $27,000 auto 24 month term. Monthly payment would be $1,172.49. Many other options available.  APR assumes a 0.25% discount for automatic recurring payments and a 0.25% discount for GAP or MRC. Also includes a $75 finance charge that is rolled into the loan amount.  All loans subject to approval. New loans only.  Speak to a loan officer for details.