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Trusted Since 1935

Tucson Old Pueblo Vehicle Loans

TOPCU offers great auto, motorcycle, and recreation vehicle loan rates and resources. We also offer valuable add-on programs to keep you smiling down the road.

Term APR as low as Payment per $1,000 Borrowed
0-36 Months 7.35%*  $29.30/month
37-48 Months 7.35%*  $22.65/month
49-60 Months 7.65%*  $18.76/month
61-72 Months 8.35%*  $16.10/month
73-84 Months 9.05%*  $14.37/month

APR = Annual Percentage Rate. *Subject to credit approval based on purchase of new auto. Rates are subject to change without notice. Includes Member Rewards discounts, up to maximum total discount of 0.25%.

Valuable Add-On Protection

Ask us about our great rates for Motorcycles, Boats and RVs, too!

Contact us at (520) 881-6262, ext. 702 to learn more.

Photo of car with smashed front end on tow truck

Guaranteed Asset Protection (GAP)

If your car is totaled/stolen for any reason, the amount of reimbursement you receive from your insurance company may be substantially less than the amount you owe on your car loan. Unless you’re covered by gap insurance, this financial shortfall, or “GAP” could leave you owing thousands of dollars. Ask one of our Member Service Representatives for more information.


Mechanical Repair Coverage (MRC)

The miles can add up but the repair costs don’t have to.

Mechanical Repair Coverage (MRC) protects you from the high cost of mechanical or electrical repairs keeping your vehicle running extra miles and extra years. In addition, MRC also provides comprehensive roadside assistance, nationwide coverage, and the flexibility to choose a repair facility of your choice. With different coverage levels and deductibles to choose, there’s a plan to fit your budget. Ask one of our Member Service Representatives for more information.

Photo of vehicle being service in repair shop

Benefits* of the program include:

  • Good at any authorized repair facility in the U.S. or Canada
  • Rental reimbursement: up to $35/day for 1-5 days (1-10 days for parts delay. Available on first day of covered repair.)
  • 24-hour emergency roadside assistance: up to $100 per use. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.
  • Travel expense reimbursement: up to $200 per day 1-5 days for food, lodging and rental when a breakdown occurs more than 100 miles from home. (Not available to NY residents.)
  • Transferable: to increase resale value. Only if sold privately. Subject to transfer fee.
  • Cancelable: receive a full refund within the first 60 days or a pro-rated refund thereafter less an administrative fee.
  • No out-of-pocket expense at time of mechanical repair: (except for any deductible and any repairs not covered by the policy) –the covered repair is paid directly to the authorized repair facility.
  • Ask about deductible options

*Details may vary by state. Ask a Member Services Representative for details or receive a quote by calling us at (520) 881-6262 ext. 702.

Photo of young couple kissing baby

Credit Life and Credit Disability Insurance

Credit Insurance protects you and your family from unforeseen circumstances, including loss of life or an unexpected disability. These “protected events” are difficult to manage and Credit Insurance provides assistance in this time of need.  Whether paying off a loan due to a death, or making monthly loan payments, you and and your family are protected. Insure your loan payments today so you can worry a little less about tomorrow.

Calculate the Cost of Protecting Your Loan

Use this loan calculator to find out the cost to add protection products like GAP, MRC and Credit Life and/or Credit Disability for vehicle loans.

The cost of MRC is based on Year, Make, Model, and Mileage of a vehicle and the deductible chosen for coverage (default deductible is $100). To obtain a quote on MRC, you must enter information on a vehicle or you will only receive cost for the other products.

Another benefit of TOPCU membership is our affiliation with TruStage Insurance. You may be able to save on car insurance as part of an exclusive auto insurance discount program just for credit union members. Combine your auto and home insurance and you could save even more. If you haven’t compared auto insurance rates lately, it’s a great time to take a look. Your credit union membership could result in some nice savings. Learn more about TruStage Insurance products and request a quote today.

Savings on car insurance. Get a quote. TruStage Insurance Company.

Business Loans

TOPCU offers a personal and flexible approach to finding solutions to help businesses invest in their future.

We offer the following types of business loans:

Term Loans (Secured & Unsecured)
  • Working capital financing
  • Equipment purchases
  • Leasehold improvements
Commercial Vehicle Loans
  • Competitive rates
  • Up to 80% financing on qualified vehicles
  • Vehicles must be titled in the business’ name
Business Lines of Credit
  • Overdraft protection for your business checking
  • Bridge gaps between accounts receivable and accounts payable
Commercial Real Estate Loans
  • Commercial-use properties of all types
  • Variety of repayment terms
Investment Property Loans
  • Competitive interest rates
  • Variety of repayment terms
  • Standard mortgage practices applied
  • Property titled in individual name
Explore TOPCU’s Solutions

Interested in talking more?

Talk with a TOPCU business professional about your needs. Complete and submit the form below and we will respond during the time you indicate. Please provide as much information as possible.

TOPCU Small Business Solutions logo

Phone: (520) 881-6262

Email: business@topcu.org

Trusted Since 1935

Join a Thriving Community

TOPCU isn’t just a credit union; it’s a community.

Trusted by 20000+ around in the greater Tucson community

I have been banking at TOPCU for about 9 yrs. The tellers are always aware of my banking habits. They consistently let me know when 2.00 bills are available. Even when ot is isn't holiday time. I may not be a millionaire but they treat me like one.

Trudy Wells
Google review

I have been banking at TOPCU for about 9 yrs. The tellers are always aware of my banking habits. They consistently let me know when 2.00 bills are available. Even when ot is isn't holiday time. I may not be a millionaire but they treat me like one.

Steven Franklin
Global Head of Customer Service

Rob Foster

Google Review

Best bank I’ve had. Excellent customer service

Rebecca Lebsack

Google Review

I can’t say enough GREAT things about this bank. The employees are soooo friendly and I always leave in high spirits. They have always provided over the top customer service and will ALWAY’S go above and beyond for their customers. Thank you TOPCU for making me feel like family.

Cabins Management

Google Review

As much as I would LOVE to keep Tucsons best kept secret all to my self, that would be doing injustice for these wonderful employees. Ken and Jamie both went above and beyond with helping secure and finalize our loan. I could not have asked for a better experience with a credit union. I have dealt with many loan officers and financial institutes spanning across the state of Arizona

All About Accessibility

Revolutionize Your Banking with The TOPCU App

Check deposits, loan payments, and fund transfers are at your fingertips. Plus, get insights into your spending, access your credit score, and link all your external accounts for a full financial picture.


Member Service: (520) 881-6262
Toll-Free: (800) 440-8328

Routing# 322174957 | NMLS# 441750

We actively work to increase accessibility and usability of our website to everyone.
If you are having difficulty using this website, please call (800) 440-8328,
or email us at info@topcu.org during regular business hours for assistance.
All products and services available on this website are available at all TOPCU branches.

Tucson Old Pueblo Credit Union ©2024 | PO Box 27026, Tucson, AZ 85726-7026
Federally Insured by NCUA