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First-time Auto Buyer Program

young woman smiling in drivers seat of car

No Credit History? No Problem!

Our First-time Auto Buyer program is the key!

Benefits include:

  • No co-borrower required
  • Rate discount of 0.50% if you (borrower) complete the online GreenPath™ course, “Navigating Auto Loans
  • $25 deposit to member’s savings account after six months of on-time payments 1
  • Up to 1.00% rate reduction after 12 months of on-time payments 1  - you may qualify to refinance at an even lower rate!
  • No payments for 60 days

individual handing a car key to another

Eligibility Criteria

  • Must be 18 or older
  • Proof of income required; maximum debt-to-income (DTI) ratio of 40%
  • Four months at current employer required
  • Proof of insurance required upfront
  • No derogatory information on credit report
  • Direct auto loans through the credit union only (loans applied for at a dealership are not eligible)


1 Member will receive a letter after making six months and 12 months of on-time payments, acknowledging eligibility for $25 deposit or rate reduction. Member must respond to claim the rewards. Please email proof of Navigating Auto Loans course completion to