Firefly members save big with auto loans.


Our auto loan options are designed to fit your goals and budget, so you can get the vehicle you really want. With an easy application process, flexible term options, and rates as low as 3.24% APR*, we make it easier to get the financing you're looking for.

Compared to banks, members save an average of $405 annually with a Firefly Auto Loan.*
Learn more about the value of a Firefly membership.


Calculate your value potential with Firefly


Cars, Trucks, SUVs, Vans & Street-legal Motorcycles

Effective April 24, 2019; APR as low as based on model year

Calculate your payment

Term 2015 and newer 2014 and older
0 to 24 months 3.24% 3.74%
25 to 36 months 3.24% 3.74%
37 to 48 months 3.34% 3.84%
49 to 60 months 3.54% 4.09%
61 to 72 months 3.84% 5.09%
73 to 84 months - $25,000+ 4.24% N/A%

Rates may be higher depending on credit qualifications, model year and the loan term. Credit qualifications determine eligibility for 100% financing, in some cases a down payment may be required. Interest will accrue during first 90 days without payment. Existing Firefly loans can only be refinanced to a lower rate if an additional $2,500 is added to the loan balance.

All loans subject to normal credit approval. Rates and terms subject to change. Contact a Firefly loan officer for details. All loan rates presented for consumer loans only and not applicable to business loans.

TruStage Auto & Home Insurance
Designed for credit union members like you, TruStage provides affordable, top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Loan Coverage

When you apply for a Firefly vehicle loan, ask about our additional product options.

  • MEMBER’S CHOICE® Mechanical Repair Coverage (MRC) may cover a wide range of repairs and includes 24/7 roadside assistance.
  • MEMBER’S CHOICE® Guaranteed Asset Protection (GAP) helps cover the difference between an insurance settlement and your loan balance in the event of a totaled or stolen vehicle.
  • MEMBER’S CHOICE® Credit Life & Disability Insurance may help cover loan payments in the event of death or total disability.

Assistance and Discounts

We provide tools to shop for vehicles and save money on insurance.

  • RECON Ltd’s free services include negotiating the best price for your vehicle with no obligation to purchase through them. Contact Randy Wintheiser at (952) 736-5074 or email him.

Vehicle Value Statements

As a benefit of having a Firefly auto loan, we'll provide you with an N.A.D.A.-based estimate of your vehicle's equity, designed to help prepare your buying strategy if you’re thinking of selling or trading in your vehicle.

MEMBER’S CHOICE® Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided and administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, (800) 752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc. Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with Us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms. CDCL, GAP, MRC-1362376.1-1115-1217


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Not a member? Not a problem. Firefly membership is available to those in the Twin Cities communities. Learn more about Firefly.

Average member savings is an estimate of projected annual savings based on the difference between current Firefly rates and fees and the average rates and fees of comparable products and services at leading financial institutions in our local Minnesota market as of 10/29/2018 as reported by Informa Research Services, Inc. Savings example is for illustration purposes only. Not all members have experienced or will experience savings.