New & Used Vehicles

Whatever vehicle you can afford. Once you are pre-approved for your new or used auto loan, you can shop anywhere you like in person or online.

Rates for used and older vehicles tend to be higher than for newer vehicles.

The amount you can borrow is determined by your credit score and income. If this is the first time you have taken out a loan, you may need to borrow a smaller amount. You'll be able to borrow more after you've successfully paid off your loan.

The annual percentage rate (APR) you get is based on your credit score, the manufacturer’s sticker price of a new vehicle, the NADA value of a used vehicle, and the amount of the loan relative to the vehicle value. Higher credit scores and lower loan to value amounts get lower rates. You can find out exactly what APR you'll get for your score when you are pre-approved for your new auto loan or used auto loan.

When comparing auto loans, make sure to compare the loan amount, loan repayment term, monthly payment and APR and not just interest rates because the APR shows the true cost of borrowing, including fees.

You can choose a loan term up to 84 months. For higher-value cars, you might be able to negotiate a longer term.

Shorter terms mean lower rates but a higher monthly payment. Longer terms mean higher rates but you can get a more affordable monthly car payment to suit your budget.

Membership is available to persons who live, worship, work (or regularly conduct business in), or attend school in, and businesses and other legal entities located in these Ohio counties:

• Cuyahoga
• Geauga
• Lake
• Medina
• Portage
• Summit

In addition membership eligibility is extended to a members immediate family or household (spouse, child, sibling, parent, grandparent or grandchild, including stepparents, stepchildren, step siblings, and adoptive relationships) as well as spouses of persons who died while within the field of membership of this credit union; employees of this credit union; volunteers in the community; members of their immediate family or household; and organizations of such persons.*

Once you’ve determined your eligibility, all you need to do to become a Best Reward member is fill out our easy online application. Once you’re approved, getting started is as easy as opening a Regular Share Savings account with us, and maintaining a $5.00 minimum balance.

Simply maintaining this low balance means you are eligible to take advantage of all of the Best Reward products and services that we offer to our valued members! Membership is for life for you and your family, and doesn’t change if you move away, get a new job, or retire.

In order to apply, you’ll need to provide certain proof of identification in the form of primary and secondary documentation.

You may be required to provide additional documentation.