Monthly savings,
year-round smiles.

You deserve to save money on your car payment—and you will with the affordable payments from Earthmover. From refinancing, purchasing new or even buying out your car lease, you deserve an auto loan that makes you smile.

Rates as low as 2.69% APR¹ | No payments for 90 days²

Auto Loans

Reward yourself with 90 days of freedom.

Start your new Earthmover Auto Loan with 90 days of no payments². Pair that with an incredible rate and you’ve got extra cash to take with you wherever you’re headed next.

No payments for a full 90 Days²

Apply today

family sitting on steps
Keeping our eyes on the road

Like your current auto loan, only better.

New cars can be difficult to come by. Until auto manufacturers catch up to supply chain constraints, consider refinancing your current loan from another lender. Or, if you have a lease getting close to its term, buy it out with a loan from Earthmover and keep that vehicle you’ve come to love. You’re likely to secure a lower monthly payment than your original loan or lease, and on top of that, we’ll start you off with 90 days of no payments².

90 Days²

Before your first payment is due.

2.69% APR¹

Our as low as rate.

New & Used

We work with both.

What will my monthly payment look like?

That’s a great question and the answer looks different for everyone. Give our loan calculator a try and get a better understanding of what your monthly payment might look like.

View current rates
Your estimated monthly installment

This calculator is for estimation and informational purposes only. Price presented is not a final, binding notification of what your actual monthly payment will be. Speak to an Earthmover team member for more information.

More reasons to drive with Earthmover:

  • No prepayment penalties
  • Get pre-approved so you’re shopping with “cash in hand”
  • Flexible loan terms so that a monthly payment can fit well within your budget

More ways Earthmover Credit Union can help.

Always at your side

We’re here to help you remain financially stable through uncertain economic times and come out on the other side even stronger. From saving money for a new car to putting away funds for a relaxing retirement—and everything in between—we have the savings accounts you need to feel secure for what lies ahead.

Get the details

Working to keep more money in your pocket

Last year we were able to save our members more than $7.6 million by refinancing their loans from other financial institutions. If you have a high-rate loan on your vehicle, your RV, your boat, your mortgage and/or your credit card, come talk with us and let’s work to keep more money in your pocket.

Contact us

Saving comes naturally.

Need another reason to become an Earthmover? How about 7.6 million ones? Last year alone, Earthmover was able to collectively save our members $7.6 million compared to customers at larger banks with similar loans and accounts.

At this credit union, you are so much more than just a profit center disguised as an account number. Sure, you’re a member—and a valued one at that. But you’re also an owner with a say in how we move forward.

We invite you to finally just say "no" to those big-box banks with their high rates on loans, low yields on savings and expensive (often hidden) fees.

Aim to save

¹ Rates as low as 2.69% APR APR=Annual Percentage Rate. For qualified members only. Contact a credit union representative for details. Quoted rate is accurate as of 10/17/2022. Your rate will be based on your credit history and may be higher. The maximum rate for an auto loan is currently 16.49% APR. Rates and terms subject to change based on market conditions and borrower eligibility. Estimated monthly payment example=$43.00 per $1,000 (payment example based on 2.69% APR and term of 24 months). Existing Earthmover CU vehicle loans do not qualify to be refinanced.

² No payments for 90 days No payments will be required for the first 90 days. Only applies to auto loans. Interest will accrue during this period.