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Auto Loans

Cooperative Federal offers auto loans for cars, trucks, and recreational vehicles. We finance both new and used vehicles.

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If you're shopping for a car, come to our credit union for a fair, affordable deal on a loan. It's especially smart to get pre-approved before you shop, so that you know how much car is right for your budget -- and so that you're prepared to resist high-pressure sales pitches! Don't let high-cost dealer financing take you for a ride.


If you are thinking about leasing a vehicle or looking for lower monthly payments, our Lease-like Loan is your best option. It’s like a lease, but better because it combines car ownership with lease-like monthly payments. You can save up to 40% on payments compared to a conventional auto loan, and have the flexibility to sell, refinance, or return the vehicle at the end of the loan term. Click here for more details.


Already bought your car? It's not too late to get a loan from Coop Fed. Our loan specialists will review your current loan and figure out whether we can save you money on interest or monthly payments. 

Great Prices, Quality Cars from Enterprise

NEW DEAL! This November, when you shop at Enterprise and borrow from Cooperative Federal, you'll save money on your next vehicle. Members can take advantage of one of the following deals:

1. In honor of Veterans Day, all active United States military members, veterans and dependents, will have included in their used vehicle purchase from Enterprise Car Sales, a Firestone Prepaid Maintenance Package valued at $300.**

2. Trade-in your vehicle and recieve an extra $500 in addition to your Kelly Blue Book trade-in value.***

These deals are valid from November 1 - 30, 2017 and cannot be combined together or with any other special offer from Enterprise.

Cooperative Federal is now partnering with Enterprise Car Sales to provide our members with fair prices on late model, gently used cars.

Enterprise's no-haggle pricing guarantees you'll get a competitive and non-discriminatory price, even if you're a novice negotiator. All vehicles are clearly marked with their price points -- what you see is what you get.

Plus, all Enterprise vehicles come with

  • 109-point vehicle inspection
  • Free CARFAX® vehicle history report
  • 7-Day Repurchase Agreement (up to 1,000 miles)
  • 12 month/12,000 mile Limited Powertrain Warranty and free one-year roadside assistance (backed by AAA)

Browse Enterprise's fleet online now*, and don't forget to get a pre-approval from Coop Fed! 

*Cooperative Federal is not responsible for content on outside websites.

TruStage Insurance

Our members have the option of purchasing Auto Insurance through TruStage Insurance Agency. Read more about TruStage.

We make Bicycle Loans ♥ 

Cooperative Federal loves bicycles. Commuting by bike is healthy for people, for our communities, and for our planet. If you get around on two wheels and need some help paying for a new bicycle, Coop Fed can help!

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Ready to roll? If you're already a member, you can apply for a personal loan online through Web Teller! Otherwise, download an application (fillable pdf). Fill out this form and send it back by email, fax (315-476-0567), mail or delivery to any Coop Fed office. Or, simply request a paper application next time you stop by. If you have any questions, call the Personal Loans Department.

All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Contact us for current rates, terms and conditions.

**Offer applies to all active United States military members, veterans and dependents. Prepaid Maintenance Package will be in the form of a $300 Firestone Complete Auto CareTM gift card, which will be issued within 60 business days after purchase of vehicle. Not valid in CA and OR. Offer valid only on Enterprise vehicles purchased 11/1/17 – 11/30/17. To receive the offer, active and veteran military personnel must present one of the following: Common Access Card, Uniformed Services ID Card, DD Form 214 / Report of Separation papers, or state-issued ID reflecting military status. Dependents of active military personnel must present a valid Uniformed Services ID Card. Offer void when 7-Day Repurchase Agreement is activated. No cash advances. Not valid on previous purchases. This offer cannot be combined with any other offer. 2 Gift card will be honored at all Firestone Complete Auto CareTM, Tires PlusTM and Hibdon Tires PlusTM locations. Gift card expires 12/31/19. 

***Kelley Blue Book Trade-In Values used by Enterprise are obtained from ©2017 Kelley Blue Book Co.’s website Kelley Blue Book Trade-In Value is based on accurate condition rating & mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In value is not available for customer’s vehicle Enterprise will provide a fair & competitive value for customer’s vehicle. Additional trade-in value of $500 is available only on passenger vehicles & light duty trucks, with a Kelley Blue Book Trade-In Value & when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration & all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. See a Sales Consultant for details.  Offer valid 11/1/17 – 11/30/17. No cash advances. Not valid on previous purchases. This offer cannot be combined with any other offer.