Get Out and See New Places

An Auto Loan from SMFCU Can Help You Get There

Rates as low as 2.24% APR*

No Payment for First 90 Days

$50 Visa Gift Card**

Free Full Carfax Report for Used Cars ($39.99 Value)

Whether it’s new, used, or refinanced your money goes further with our great rates!

*APR is Annual Percentage Rate. The rates are quoted “as low as” with a rate discount for auto pay and may vary based on your creditworthiness. Rates may vary from the rate shown. Other terms and rates available. New auto loan monthly payment amount per $1000.00 borrowed at 2.24% with auto pay for 48 months is $22.00. Add .25% APR to rates if manual payment is made. Interest will accrue during the first 90 days without payment. Offer good to qualified borrowers through June 30, 2021. Offer valid on auto loans currently financed with a lender other than South Metro Federal Credit Union and new loans. Terms, rates and conditions are subject to change without notice. Must be a SMFCU member. Member responsible for any applicable taxes.
**$50 VISA Gift Card is limited to eligible credit union members that open a new auto loan or refinance an auto loan from another financial institution with a minimum loan amount of $5,000 between April 1, 2021 and June 30, 2021.

Apply online day or night

  • Download and complete our Loan Application (212KB, PDF)
  • Apply via our Mobile Banking app
  • Use Telephone Banking at 1-800-459-8139

Any Questions?

Email or call 952-445-0888. We’d love to hear from you!

Get there. Start here.

Find South Metro on FacebookFollow South Metro on TwitterCheck Out South Metro's Instagram feed

Routing #: 091981646  |  NMLS ID # 1059389

We at South Metro Federal Credit Union are committed to the digital inclusion and providing a website that is accessible to the widest possible audience in accordance with certain standards and guidelines. We are striving consistently to conform to WCAG 2.0 Level AA of accessibility. If you run into any barriers, please reach out to us at 952-445-0888 or

Equal Housing Lender    NCUA Insurance     Excess Share Insurance

© Copyright 2021. All rights reserved. South Metro Federal Credit Union.    SEND US A SECURE EMAIL

Need Help?

Call 952-445-0888 to contact us. We're eager to help!