Ready to find your next favorite drive?
We are 100% committed to getting you behind the wheel. Whether you’re buying your very first car or upgrading for a growing family, we’re here to handle the financing so you can enjoy the journey.
Get Approved Before You Shop
Knowing your rate and getting approved ahead of time gives you more confidence at the dealership and helps you stay in control of the conversation.
Helpful Tip: Checking your credit report annually is a great way to stay on top of your financial health.
Skip the Dealership Pressure
Search local inventory from the comfort of your couch with AutoSMART. Find the right vehicle at the right price without the stress.
Keep More Money in Your Pocket
Why pay more than you have to? By moving your current loan to us, you could lower your monthly bills and keep more of your hard-earned money for your family.
Smart Ways to Protect Your Wallet
From surprise repairs to accidents, we provide the safety net your wallet needs so a bump in the road doesn't become a financial mountain.
What Makes Our Loans Different? Benefits That Go the Extra Mile
We do more than just finance your car; we provide a support system that gives you peace of mind throughout the life of your loan.
60-Day First Payment Deferment
Need a little extra time? When you refinance with us, you can choose to wait up to 60 days before making your first payment. It’s a simple way to let your budget settle.
Action: Set up your payment schedule easily through the MFCU@Home app.
Extended Warranty
Comprehensive Coverage for Modern Tech. With cars becoming more complex, a single sensor failure can be a major expense. Our Extended Warranty picks up where the manufacturer leaves off, protecting you from high-tech failures.
The Facts: Repairs for modern electronics often range from $500 to $5,000.
Skip-A-Payment
Life gets busy, and we know that unexpected things happen. If your account is in good standing, you can choose to skip a monthly payment when you need to free up cash for an emergency.
Action: Activate Skip-A-Payment directly in our Mobile App.
SiriusXM
Your Favorite Travel Soundtrack. If you're approved for a pre-owned loan, enjoy 3 months of SiriusXM All-Access on us. Listen in your car, at home, or on the go.
The Truth: No credit card required and no "subscription traps." It’s just a simple way to say thanks for being a member.
Managing Your Payments
Flexible Ways to Pay Your Loan
Managing your loan should be the easiest part of your day. Choose the path that works best for you.
Internal Transfer
Move money instantly from your Marine Federal savings or Checking Account. It’s fast, free, and confirmation is immediate.
From Another Bank
Link an outside account via mPay to securely move your funds. We make it easy to stay on track.
Debit Card Payment
If you're in a hurry, you can use your debit card for an immediate payment. While this expedited route has a $4.95 fee, it ensures your payment is recorded instantly.
Auto Pilot
Set it and forget it. Schedule your recurring payments so you never have to worry about a due date again.
Stay Protected on The Road
Life moves fast. We’ve designed these options to ensure that a surprise repair or an accident doesn’t slow you down.
GAP Plus
Bridge the Insurance Shortfall. If your vehicle is lost in an accident, insurance might pay less than what you still owe. GAP Plus covers that difference and even reimburses your deductible up to $500.
Depreciation Protection Waiver (DPW)
What if your car’s value drops? If your car is ever totaled or stolen, you shouldn't lose the value you’ve already paid for. DPW helps protect your investment by locking in your vehicle's value when you start your loan.
The Bottom Line: You could receive up to $10,000 to help you get into your next vehicle without having to start over.
Debt Protection
A safety net for life’s unknowns. Life is unpredictable. If you face a major life event like illness or job loss, Debt Protection can help cover your payments so your credit score stays protected during stressful times.
The Bottom Line: It’s a "set-and-forget" feature that integrates right into your monthly payment.
Mechanical Breakdown Protection (MBP)
Worried about repair costs? Modern cars are complicated. When a high-tech sensor or computer fails, the bill shouldn't be your problem. MBP helps cover those unexpected costs after your warranty expires.
The Facts: One in three vehicles face a major repair every year. Don't let it catch you off guard.
Credit CardsAre you ready to find the card that fits your lifestyle?
Checking Accounts
How can we help your money work harder for you?
Auto RefinanceDriving Is Only HALF the Fun! Lower Your Monthly Vehicle Payments.