Everyone deserves a bit of luxury, which is why at SMW you’ll get VIP treatment when it comes to your auto loan, no matter what kind of ride you have in mind.




  • New and used vehicles
  • Model years 2020 – 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.