Auto Loans

Drive off with the right ride and rate with the help of a credit union that can make it happen. Before stepping foot in a dealership, be sure to drop by a Destinations Credit Union branch. We provide quick pre-approvals with more accommodating terms and typically lower rates than what for-profit companies offer.

That's because as a not-for-profit financial institution, we use any potential gains earned to secure better rates for our well-deserving members. What else you'll receive: a painless process. Our experienced lenders handle everything right here in the Baltimore area — taking you from paperwork to pavement in no time flat!

Summary
  • Competitively low rates on new or used vehicles
  • 100% financing available (including taxes and tags)
  • Terms up to 84 months, customized to your unique situation
  • Pre-approval available for extra bargaining power at the dealership
  • Special AutoSave Vehicle financing to build savings while paying down your loan
  • Refinance your loan to potentially lower your rate
  • Set up payroll deduction for easy repayment
  • Quick approvals; 24/7 online application process
  • Local Baltimore-area decision-making and processing
  • Helpful, dedicated service from start to finish
Motorcycle, Boat & RV Loans

On-road, off-road — wherever your vehicle drives, accommodating financing is just the same. We work closely with you to customize financing for both daily drivers and recreational vehicles.

  • Competitively low rates on new or used recreational vehicles:
  • ATVs
  • RVs
  • Motor homes
  • Motorcycles
  • Boats
  • Personal watercrafts
  • And more!
  • 100% financing available (including taxes and tags)
  • Terms up to 84 months, customized to your unique situation
  • Pre-approval available for extra bargaining power at the dealership
  • Special AutoSave Vehicle financing to build savings while paying down your loan
  • Refinance your loan to potentially lower your rate
  • Set up payroll deduction for easy repayment
  • Quick approvals; 24/7 online application process
  • Local Baltimore-area decision-making and processing
  • Helpful, dedicated service from start to finish
Additional Coverage

Guaranteed Asset Protection (GAP)

One-time, low-cost loan protection makes up the gap between your auto insurance and the loan balance in the event of total loss of the vehicle.

GAP is available on all new and existing vehicle loans up to 84 months (new and used vehicles).

Benefits of GAP

If your vehicle is declared an insured total loss, GAP provides the following:

  • Benefits are paid to $50,000
  • Insurance deductible coverage is paid to $1000
  • $1000 down payment credit when new loan is financed with Destinations MOVING FORWARD

Debt Protection

Help play it safe.

MEMBER'S CHOICE™ Borrower Security* is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements ease the enrollment process.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Destinations Credit Union will cancel or reduce repayment of your loan debt. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Call a Loan Officer at 410-663-2500 and ask about protecting your loans, today.

*MEMBER'S CHOICE™ Borrower Security is a debt protection product offered by Destinations Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact a Destinations Credit Union loan officer for additional information on benefit maximums, eligibility, limitations, and a copy of your contract.

1Source: www.bls.gov, Economic Releases, The Employment Situation, February 2011

TruStage™ Auto & Home Insurance

You trust your credit union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance Program.

Working with carefully selected insurance partners, these programs can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

Auto Exam Extended Warranty

Many members choose to extend the manufacturer's warranty on their vehicle to protect themselves against unexpected expenses.

Through our partnership with Auto Exam, Destinations Credit Union offers a less expensive alternative to dealership extended warranties. Plus, you can take out a service contract at any time on vehicles that are 4 years old or less and have less than 60,000 miles - it doesn't have to be at the time you purchased your vehicle.

  • Vehicle DOES NOT have to be in manufacturer's warranty.
  • Vehicle DOES NOT require an inspection.
  • Vehicle must be eligible for coverage (4 years old or less and have less than 60,000 miles).
  • Member cannot file a claim within the first month and 1,000 miles of the contract.

For more information or a quote for your vehicle, contact a loan officer today at 410-663-2500.

Auto Buying Resources

At Destinations Credit Union, we try to keep car buying a breeze. Feel confident in your purchase with the help of our auto buying resources:

AutoSmart

Do your own research first with Destinations free AutoSmart program. Research the perfect new or used car: find out your trade-in value, get the CarFax report, JD Powers ratings, calculate your payment and more!

Vehicle Buying Assistance

Before you buy your next new or used vehicle, use our free services to make sure you're getting the best price and incentives.

Discounted vehicles are available through our partnership with Invest In America GM Discounts.

Destinations Credit Union members have free access to the Motor Vehicle Certification Program (MVCP). MVCP is staffed by seasoned auto specialists that can review the dealer cost for the car you are considering, provide information on your present auto's trade-in-value, provide information on current rebates/incentives, and if you desire, refer you to a local auto dealer that will sell the car you want at a fair price. If you are considering purchasing a new car, why not give MVCP a call, at (800) 345-0990. There's no cost to Destinations members, and you can see for yourself if the MVCP price is better than you can negotiate on your own.

United Buying Service — Get a low pre-negotiated price on the vehicle of your choice, discounted option pricing and extra savings with rebates and incentives. Call 410-792-9070 or visit their website.

Enterprise Car Sales

Destinations Credit Union members in the market for a used car have a distinct advantage. They can find a quality used car through Enterprise Car Sales.

Enterprise has a large inventory of specially priced late-model used cars, and they offer a comprehensive 12-month limited warranty.

You can look over their inventory at locations in Glen Burnie or White Marsh. Call 800-227-7253 to find an Enterprise lot near you or visit their website. Be sure to let them know you're a Destinations Credit Union member!

Invest in America

Secure a great deal on a GM through lovemycreditunion.org. Enjoy privileges exclusive to credit union members!