Auto Resource Center

Upgrade Your Ride with Ease

Outgrown your teenage dreams of oversized spoilers? Or perhaps your family is expanding, and you need a bigger vehicle to keep up. Whatever your reason for a new set of wheels, we've got the solution.

As your ultimate destination for auto loans, we provide all the tools necessary to streamline your car-buying journey. Explore our offerings below and experience the simplicity of upgrading your ride.

Budget

Financial Calculator

Before buying your new vehicle, see where your monthly loan payment will fit into your budget using our helpful calculator.

Buy

SMW Dealership Partners

Tell any of these partnered dealers that you're a member of SMW Financial Credit Union to receive our financing at the dealership at your convenience.

• Buerkle Honda
• Buerkle Hyundai
• Coon Rapids Chrysler
• Cornerstone Chevrolet
• Enterprise Car Sales
• Fury Motors Stillwater
• Granite City Motor Car
• Hi-Way Auto Sales
• Lexdan Automotive
• Miller Auto Plaza
• Polar Chevrolet
• Tenvoorde Ford
• The Hitching Post Inc
• West Metro Buick
• Whitaker Buick
• Integrity Auto Source

Insure

Bridge the GAP with Total Loss Protection

From the moment you drive your vehicle off the lot, its value begins to decline. On average, you can expect a 20% depreciation immediately, followed by approximately 15% each year for the next four years.

If the unthinkable happens – your vehicle is stolen or damaged beyond repair – you could be left with a significant financial gap. Your insurance payout may fall short of covering what you still owe on your loan or lease.

That's where Guaranteed Asset Protection (GAP) coverage steps in, providing peace of mind and potentially saving you thousands of dollars. It bridges the divide between what you owe and what your insurance deems your vehicle worth.

Here's an example scenario:

Loan or lease payoff: $20,000
Insurance payout: -$16,000
Insurance deductible: -$500
Your responsibility without GAP: $4,500
GAP coverage steps in to cover: $4,500
Result: You owe nothing after GAP*

Most vehicles are eligible for GAP coverage, and you can typically include it in your vehicle loan payment. Reach out to your SMW Loan Officer today for further details, or view our informational guide. 

Discover Peace of Mind with Route 66 Extended Warranty

Don't let unexpected mechanical breakdowns catch you off guard. Route 66 Extended Warranty offers you the protection you need to stay on the road worry-free. Whether it's a sudden repair or rising maintenance costs, we've got you covered.

Why Choose Route 66?

• $0 deductible

• 24/7/365 Roadside Service

• Rental car benefits

• 30-day money-back guarantee

• Nationwide coverage

• Fully transferable

No matter your vehicle's make or model, comprehensive coverage from Route 66 ensures you enjoy your ride without the stress of potential breakdowns. Even the most reliable vehicles can encounter issues, but with Route 66, you're prepared for anything.

Take advantage of Route 66's Open Enrollment and add coverage at the time of purchase or anytime during your vehicle's lifespan. Whether your car is still under manufacturer warranty or not, there is a plan tailored to your needs. Don't risk being left without coverage – choose a Route 66 Extended Warranty today! Contact our team or view our brochure to learn more. 

MRC coverage is available even if your auto loan is not with SMW FCU.

*Subject to certain exclusions and benefit limitations.