IBMSECU is the key to your fast, easy and low-rate auto loan.

Say YES to an IBMSECU auto loan with lower rates, no fees and easy approval process! Whether you want a new car, a used car or to refinance your current auto loan, we have the perfect loan to fit your needs. Learn More

  • Rates - as low as 1.84% APR*
  • Deferred payments - your first isn't due for 2 months*
  • Reduced payments - no application or processing fees when you refinance your current auto loan with us

We have better services and you have more options. Plus, we will put $200 in your pocket.

  • Use our Auto Buying services* and we'll reduce your IBMSECU auto loan by .50% APR
  • Get a new or used auto loan of $10,000 or more with ePayments and we'll give you $100* plus a .25% rate reduction
  • Start a checking account with eStatements, a Visa Debit Card, and a direct deposit in the first 60 days and we'll give you $100*

Don't forget to enter the code WOW100PLUS on your application to enjoy the benefits of being a new member of IBMSECU!

Secu auto rates

“This is our 2nd auto loan with IBMSECU and we will definitely be looking at additional financing with the Credit Union for our mortgage. Thank you again!”

* APR = Annual Percentage Rate. Rates as low as 1.84% APR on new and used vehicle model years 2014-2017, up to a 36-month term. For model years 2013 and older, rates are as low as 2.34% APR, up to 36 months. Longer repayment terms are available at different rates; call for details. Disclosed rates are based on a credit score of 720 or higher, include a .50% discount for new or existing IBMSECU credit card relationship in good standing and a .50% discount for utilization of the Credit Union Auto Buying service and loan application during loan promotion. No other discounts apply for this promotion. Eligible discounts cannot reduce Annual Percentage Rate below 1.84%. First payment deferral is optional. Note: If you defer your first payment, your monthly payment may be higher than non-deferred payments. IBMSECU Auto Loans are subject to income, address and identification verification and credit approval. Please refer to a consumer loan disclosure available on our website or contact a Loan Advisor for full details. Disclosed rates not applicable for refinance of existing Credit Union car loans. Not all borrowers will qualify for the lowest rate and not all Members will qualify for a credit card. Actual rate will be based on creditworthiness, vehicle model year, credit card relationship, utilization of the Credit Union Auto Buying service and loan application date. Rates effective 1/1/17.

** Offer only valid for first 300 new members who qualify and are approved for a new or used Auto Loan with ePayments. $100 deposit will be posted within 30 days of the loan being disbursed, must stay on deposit for 6 months and will be on an electronic hold during that period. .25% discount cannot reduce Annual Percentage Rate below 1.84%. Offer subject to change without notice. Not valid to refinance existing IBMSECU loans.

*** Offer only valid for first 300 new members who open a Checking Account with eStatements, a Visa debit card, and who sign-up for Direct Deposit. $100 must be on deposit for 90 days and will be on electronic hold during that period. Offer subject to change without notice. Federally insured by NCUA.

**** Optional insurance programs offered through non-affiliated, third-party providers and certain limitations may apply. Auto insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. Coverages, discounts, special program rates, billing options, and other features are subject to availability and individual eligibility. Not all features available in all areas. Travelers is a non-affiliated, third-party provider for IBMSECU, certain restrictions may apply and may not be available in all states, contact the provider for details. В© 2016 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.

***** Contact the Credit Union about applicable Auto Buying service options.