• Helpful Online Tools
• Refinancing Your Vehicle
• Credit Union Advantage
  
• Mechanical Breakdown Protection
• GAP Policies
  
• Member's Choice^TM Borrower Security

Arizona Central Credit Union offers some of the lowest rates around on new and used cars, trucks, vans, motorcycles, boats, RVs, and campers. Try out these handy online tools to help you with your next vehicle purchase.

• AutoSMART - Use this online car buying program, created exclusively for credit union members, to research, finance, and locate your next vehicle.
• Repossessed Vehicles - Get a great deal on our inventory of repossessed vehicles.
• Enterprise Car Sales - Looking for a high-quality pre-owned vehicle? Choose from over 120 makes and models, all from the comfort of your home with Enterprise's convenient online locator system.
• Home & Family Finance Auto Center - Features articles, news, calculators, videos, and other tools to help you make a more informed buying decision.
• Loan Calculator - Click here to calculate loan payments for your new vehicle.
• Loan Comparison Calculator - Aren't sure how much you can afford? Use the Loan Comparison Calculator to compare interest rates and payment amounts.
• Loan Rates - Click here to check out our rates and terms.
• MEMBERS Auto Insurance - Shopping for auto insurance coverage just got easier. As a credit union member, you can enjoy a customized auto protection plan offering competitive rates and fast, easy claims service.

If you're currently financing your vehicle with another institution or lender, check out Arizona Central's loan rates. We may be able to save you money on your monthly payment.



If you're shopping for a new or used vehicle, you can get a low fleet price and your credit union loan right at the dealership! Most major dealerships across Arizona participate in the Credit Union Advantage program.

A fleet representative will assist you in getting low fleet pricing on the car, truck, or van of your dreams. The representative will also set up your loan through Arizona Central.

• Low credit union financing while at the dealership with no hassles
• No need to visit the credit union to apply for your loan, which saves you time
• Visit any participating dealership or look for the Credit Union Advantage Logo
• Ask for the Credit Union Advantage Representative (at participating dealerships)

For a list of participating dealers and more information about the program, click the Credit Union Advantage logo.




As an added member benefit, Arizona Central offers Mechanical Breakdown Protection through American Mercury Insurance Companies.

• Protect your vehicle beyond the manufacturer's standard warranty and protect yourself from the high cost of auto repairs.
• Policies available for new and used vehicles purchased through a dealership or private party.
• Policy can be included with your total financing package for easy payment.
• Coverage transferable when you sell your vehicle to another individual.

Ask about Mechanical Breakdown Protection policy when applying for your loan.



In the event your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an uninsured total loss, your insurance company pays the actual cash value of the vehicle at the time of loss, not what the vehicle is really worth to you. You remain liable for payment of the difference between your insurance company's settlement and the balance of your vehicle loan.

The deficiency, added to the amount of your deductible, time lost from work, rental car costs, a replacement vehicle, and other expenses, can easily add up to thousands of dollars. You can protect yourself from these costly expenses with a GAP policy from Arizona Central Credit Union.

• Available for new and used vehicles
• Protection provided for the term of your loan up to 84 months
• Benefits paid up to $50,000
• Deductible coverage up to $1,000
• Minimal cost, which can be included in your financing package

Ask about a GAP policy when applying for your loan.



Safeguard your loan with Member’s Choice Borrower Security, a debt cancellation protection agreement that, depending on the package selected, can cancel the principal and interest (or interest only) portion of your loan payment, up to the agreement maximum, if you become involuntarily unemployed, sick, injured, or in the event of loss of life.

With Member’s Choice Borrower Security, fees are based on a group rate and you only buy enough protection to cover your loan balance. Other benefits include:

• Helps protect your credit rating and collateral
• Simple eligibility requirements
• Fast and easy enrollment
• Immediate enrollment for eligible borrowers
• Convenient—fee is included in your loan payment

Sign up for Member's Choice Borrower Security when signing for your loan.