Loans & Credit Cards

Join our Preferred Member Auto Club (PMAC)

    MCT Credit Union offers great advantages and low rates on New and Used Vehicle auto loans!  Take some time to check out our Preferred Member Auto Club (PMAC)- As a participant, you have the option to choose an auto loan package that includes the purchase of all or a combination of the following products:

    Payment Protection Plan - If you become disabled and can't work, credit disability insurance will make your monthly loan payments for you. In the event of your death, your balance will be paid in full by credit life insurance.

    Preferred Auto Care - Bumper to Bumper coverage on your vehicle after your factory warranty expires. You pay one deductible per visit regardless of the number of parts repaired. You choose the coverage period and the deductible. Coverage can be transferred along with the sale of the vehicle. BIG ADVANTAGE for you. You choose the repair shop. Your protection travels with you, 24 hours a day, 7 days per week, no matter where you go. Motel/restaurant expenses, tire repair, towing/rental coverage, theft deterrent system, locksmith services and much, much more.

    GAP Relief - If your car is stolen and never recovered or damaged beyond repair (totaled), most insurance settlements are based on the actual cash value (ACV) of the vehicle. Therefore, if a total loss occurs, your insurance coverage may not cover the amount that you still owe on your loan. You could end up having to pay the difference out of your own pocket. GAP Relief covers the difference between your primary insurance settlement and the pay-off of your loan. Also, GAP Relief pays up to $1,000 of your primary insurance deductible on your loan.

    The purchase of any or all of these products will entitle you to loan rate discounts as well as valued services that protect your auto investment. If you've got your auto loan with a car dealership or another financial institution, let us see if we might be able to lower your rate!  Just check with us for more details.

    Our approval process is quick, our rates are low, and our Member Services Representatives are always friendly!

    All loans are subject to credit approval. Equal Opportunity Lender.