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Vehicle Loans



Auto Loans

Auto Financing - Dare to Compare!

What´s your best option? We've done some homework to help you decide.  Taking the "Cash Back Allowance" and financing through FinancialEdge Community Credit Union can save you a bundle!

Compare Dealer Financing (theirs) with Credit Union Financing (ours)

Deal Purchase Price Dealer Cash Back Amount Financed Sales Tax* Total Loan APR*** Term (Months) Total Paid Monthly Payment
Theirs $20,000 $0 $20,000 $1,200 $21,200 4.90% 60 $23,946.00 $399.10
Theirs $20,000 $0 $20,000 $1,200 $21,200 1.90% 60 $22,289.75 $371.50
Ours $20,000 $3,000 $17,000 $1,200 $18,200 2.50%* 60 $19,116.68 $318.62

FinancialEdge could save you almost $4,800 PLUS lower your monthly payment by up to $80!

(*please note that our rates change and this table is for illustration purposes only)

Loan Features:

  • Great low rates
  • Flexible Terms up to 84 months
  • Financing up to 100% of the value available
  • GAP Insurance available!
  • Ease your mind and protect your assets! Learn more about Credit Life and Disability Insurance.
  • Convenience! Indirect Auto Loans allow you to complete your paperwork right at the dealership!

Use our convenient Loan Calculator to determine your monthly payment amount.

Apply for your Loan Today!

Indirect Auto Loans - It´s Convenient!

FinancialEdge CCU realizes that your time is valuable. That´s why we have partnered with local dealerships to bring the credit union office to you.

Indirect Lending allows FinancialEdge CCU members the ability to apply for their FinancialEdge CCU auto loan at participating local dealerships and still receive the same LOW interest rate. The hardest part is picking out the right vehicle!

It´s Convenient! - Here are the steps involved.

1. Indicate to your salesperson you would like to finance with FinancialEdge.
2. The salesperson at the dealership fills out the application with you.
3. The application is electronically sent to the credit union for approval.
4. The loan documents are signed when you pick-up the vehicle.
5. You drive off with your vehicle. It´s that simple!

Below are a list of participating dealerships:

  • Bay Cycle Sales 3800 S. Huron Rd Bay City, MI 48706
  • Dean Arbor Ford 3520 N. M-13 Pinconning, MI 48650
  • Dolney RV Center 1171 S. Huron Rd. Kawkawlin, MI 48631
  • Draper Saginaw 4200 Bay Rd. Saginaw, MI 48603
  • Dunlop Pontiac 517 Washington Ave Bay City, MI 48708
  • Gettel Auto Mall 651 Unionville Rd. Sebewaing, MI 48759
  • Graff Chevrolet 3636 E. Wilder Rd. Bay City, MI 48706
  • Hagen Ford 3980 N. Euclid Ave Bay City, MI 48706
  • Keyser Chevrolet Buick 10231 E. Washington Reese, MI 48757
  • Labadie Auto (Cadillac, GMC) 711 S. Euclid Ave Bay City, MI 48706
  • Mike Young (Pontiac, GMC) Main Street Frankenmuth, MI 48734
  • Reimbold Sales & Service 110 Gera Rd. Frankenmuth, MI 48734
  • Roger McIntosh 75 N. M-13 Linwood, MI 48634
  • Saginaw Valley Ford 4201 Bay Rd. Saginaw, MI 48603
  • Schafer Auto Mall 125 N. Mable St. Pinconning, MI 48650
  • Showcase Mitsubishi 1242 S. Euclid Ave Bay City, MI 48706
  • Thelen Chrysler 4191 N. Euclid Ave Bay City, MI 48706
  • Thelen Honda 1020 N. Euclid Ave Bay City, MI 48706
  • Thelen Mazda 1112 N. Euclid Ave Bay City, MI 48706

If you have any questions on Indirect Lending, please contact our loan department at (989) 892-6088 or (800) 610-2764 and press 4.

Motorcycle Loans

Whether you´re ready to get on the Road or hit the Trail, we have the flexibility you´re looking for.

Use our convenient Loan Calculator to determine your monthly payment amount.

Apply for your Loan Today!


Recreational Vehicle Loans

Don´t go into the wilderness without your home away from home!

Use our convenient Loan Calculator to determine your monthly payment amount.

Apply for your Loan Today!


ATV Loans

We´ll help get you in the sand!

Use our convenient Loan Calculator to determine your monthly payment amount.

Apply for your Loan Today!


Snowmobile Loans

Get into High Gear!

Use our convenient Loan Calculator to determine your monthly payment amount.

Apply for your Loan Today!


Refinance? Yes!

If you have a loan at another institution, we can help save you money! Why pay more each month when you can pay less with us?  Check out our rates to see how well we compare to your existing rate. Then use our convenient Loan Calculator to determine your monthly payment amount. 

For more information or to apply by telephone, you may reach our Loan Department at 989-892-6088 or 800-610-2764 and press 4, or stop by our branch locations.

*Assumes 6% sales tax
** Annual Percentage Rate The above rates are estimates and are subject to change. All rates are quoted As-Low-As. Check with the loan department for more details.

*** 1.95% APR = Annual Percentage Rate based on secured collateral 2010 and newer and is subject to change. No other credit union discounts available. Minimum $15,000 financed with automatic payment required to receive lowest qualified rate. Separate rates available for refinancing of existing FinancialEdge loans. Rate is determined by Performance Plus lending system. Check with the loan department for additional terms and current loan rates.

Please Note: This loan calculator is intended to provide approximate information and does not constitute an offer to extend credit. All rates disclosed within the calculator are subject to change without prior notice. Please contact the credit union for exact payment and rate information. Approval is subject to credit qualifications


Loan Protection / GAP Insurance

LOAN PROTECTION INSURANCE is credit insurance that´s directly tied to your loan. Loan Protection is designed to make sure a debt doesn´t become a burden if the borrower passes away or becomes disabled. There are two forms of loan protection insurance:

1. CREDIT LIFE INSURANCE is a group insurance policy designed to pay the outstanding loan balance of a borrowing member in the event of his or her death. The premiums for coverage are paid by the member and are added to the monthly loan payment.

Single or Joint Life coverage may be available. Single coverage insures the primary borrower; joint coverage insures the primary borrower and one other eligible party to the loan.

Guarantors (Cosigners) are not eligible to apply for or be covered by Life Insurance.

Coverage Limits:

  • $50,000 maximum per loan
  • 120 months per loan

2. CREDIT DISABILITY INSURANCE is a group insurance policy designed to help make a member´s monthly loan payment to the credit union if the member is totally and continuously disabled by a sickness or accident. The premiums for coverage are paid by the member and are added to the monthly loan payment. Coverage is offered to eligible members on an optional basis.

Coverage Limits:

  • 120 months per loan
  • $850 per month per loan
  • $50,000 maximum per loan 


In today´s market, a vehicle begins to depreciate the minute it is purchased. Because of this, a vehicle´s outstanding loan balance is typically higher than its actual cash value, especially during the first few years of the loan.

When a vehicle is totaled or stolen, the borrower´s insurance settlement is based on the actual cash value of the vehicle. Because of the way the claim is paid, the settlement can be significantly less than the remaining loan balance. This may create a deficiency balance or a "gap" resulting in a serious financial hardship for the borrower.

Now, our Guaranteed Auto Protection (GAP) program will help protect your new or used vehicle investment, avoid a serious financial loss, and guarantee the loan is paid.

If the vehicle is totaled or stolen, GAP pays the difference between the outstanding loan balance at the time of loss and the actual cash value of the vehicle (primary insurance settlement), less certain deductions. Plus, GAP may also pay up to $1,000 of your insurance deductible.

Eligible Collateral:

  • Automobiles
  • Vans
  • Light Trucks up to a 1-ton towing capacity
  • Motorcycles
  • Snowmobiles
  • Jet Ski´s
  • ATV´s
  • Golf Carts

The miles can add up but the repair costs don’t have to.

MEMBER’S CHOICE® Mechanical Repair Coverage can help deflect some risk of costly repairs keeping your vehicle running extra miles and extra years. With different coverage levels and deductibles to choose, there’s a plan to fit your family’s budget.

Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

Benefits of the program*:

  • Good at any authorized repair facility in the U.S. or Canada
  • Rental reimbursement: up to $35 per day for 5 days (or 10 days for a parts delay) from day one.
  • 24-hour emergency roadside assistance: up to $100 per occurrence. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.
  • Travel expense reimbursement: up to $500 for lodging, food and rental expense when a covered breakdown occurs more than 100 miles from home.
  • Transferable: if you sell your vehicle privately, the coverage can be transferred for a fee, adding resale value and appeal.
  • Cancelable: receive a full refund within the first 60 days or a pro-rated refund thereafter less an administrative fee.
  • No out of pocket expense at time of mechanical repair: (except for any deductible and any repairs not covered by the policy)–the covered repair is paid directly to the authorized repair facility by the plan.
  • Ask about deductible options.

*Program details may vary by state. Ask a Member Services Representative for details or receive a quote by calling 989-892-6088.

MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where MEMBER’S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc. MRC-896721.1-0414-0516 © CUNA Mutual Group 2014, All Rights Reserved.


Member Discount Auto Insurance

TruStage Auto Insurance
Coverage from leading insurance companies with savings that could add up to $519.52* a year or more!

Discounts on car insurance include:

  • Multi-car discount
  • Anti-lock brakes discount
  • Air bags, automatic seat belts discount
  • Anti-theft device discount 
  • Good student discount

Benefits for car insurance include:

  • 24-hour claims service (even on holidays)
  • Fast appraisals (typically within 24 hours)
  • Guaranteed auto repairs (for as long as you own the vehicle)
click for more information on how to save

*Average annual savings based on countrywide survey of new customers from 01/27/2014 to 01/16/2015 who reported their prior insurers' premiums when they switched to Liberty Mutual’s group auto and home program.

Provide Proof of Insurance

State National Companies (CPI)

By Phone:

By Fax:

By Mail:
FinancialEdge Community Credit Union
PO Box 924460
Fort Worth, TX 76124


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