Welcome to Miramar Federal Credit Union, Traditional Service with Modern Access

Online Connection
Savings and Checking
About Us


Online Connection 

Savings and Checking


About Us

Contact Us 


Fee Schedule
Click here

Account Disclosure
Click Here

Regulation GG

Click Here


Auto Resource Center

We value all members of Miramar Federal Credit Union and strive to make the auto buying experience as easy and convenient as possible. From pre-approved loan requests and convenient dealer locations, to vehicle valuation and your current credit report information, we have established key relationships with organizations that will provide you with the tools necessary in helping you find the car of your dreams.

Get buying advice, road test results and more.
Got a used car in mind? Check with CarFax first!
What's your car worth?
Check your vehicle's safety rating.
Conveniently check and monitor your credit On-Line. Order your free Credit Report today.
There's nothing like 0% financing to attract shoppers. But learn why 0% Makes Zero Sense.
Interactive Loan Calculators - to help with your decision-making.

The smart loan for the road ahead

Own the car of your dreams today. No matter what kind of automobile you're looking for, you'll find a diverse selection to suit your taste at one of our participating dealers. With Miramar Federal Credit Union and our dealer network, we've designed a one-stop shopping experience for you.

Current Auto Loan Rates


As a valued member, you may also qualify for certain discounts off our current rates !*

Applying is easy!

Call our Miramar Federal Call Center at (800) 640-1228 Ext 0. to get pre-approved for your new car loan.

Shopping for a New or Used Car - Get the Miramar Federal Advantage:

  • New and Used Auto Loan Programs
  • Flexible Repayment Periods to Suit Your Financial Needs
  • Up to 100% Financing*
  • Up to 90 Days Until Your First Payment*
  • Terms Up To 72 Months*
  • Auto Dealer Network

How to Get the Miramar Federal Advantage

There are several ways to take advantage of our Auto Loan program:

OPTION 1: Our Auto Dealer Network
You can get all of these great benefits directly from one of our dealers, at your convenience. | Locate your nearest Dealership that offers Miramar Federal Credit Union financing.

OPTION 2: Refinancing & Private Party Purchases
Do you want to refinance your existing auto loan or finance a private party purchase? Have you always wanted to buy your neighbors car, reduce your loan payment, or pay off your loan faster with a shorter term? Refinancing* may be the ideal solution and Miramar Federal Credit Union is here to help. If you want to refinance your existing auto loan financed with another institution or purchase a car from a private party, we make it simple! We will help you complete the transaction as easy as 1, 2, and 3!

  1. Apply for a loan for the amount of the payoff or amount you want to finance by calling Miramar Federal call center at (800) 640-1228 Ext 0.
  2. Once approved, sign your loan documents and we will do the rest!

When refinancing an existing Miramar Federal Credit Union Auto Loan there is a refinance fee of 1% of the principal balance to be eligible for a rate reduction to the current posted rate. This fee can be paid upfront or financed into the loan. Otherwise refinances will be booked to your current loan rate with the new terms.

Apply Today

To apply today, call our Miramar Federal Call Center at (800) 640-1228 Ext 0.  

Auto Protection Options

Bumper-to-bumper coverage for new and used vehicles.
bullet GAPWise
Closing the gap in protecting your current and future vehicle investment
Simple tips to reduce your auto insurance premiums

Additional Information

Maximum Mileage:
Miramar Federal Credit Union will only finance vehicles with 75,000 miles or less.  Some exceptions apply. Call for details.
90-Day Deferral of First Payment:
Available on all auto loan programs.


Apply for a Loan

Apply for Membership

Current Savings Rates

Contact Us

Office Hours:

M-F: 9:00 to 5:00


Call us at:
800-640-1228 or

Our Telephone  Center Representatives will be glad to help you @ Ext 0


Lost/Stolen Debit Card or ATM Card (24/7):


From International Location, Call Collect:



Lost/Stolen MasterCard (24/7):





Mailing Address:
Miramar FCU
P.O. Box 261370
San Diego, CA 92196-1370

Main Office:
Miramar FCU
9494 Miramar Rd
San Diego, CA 92126


Office Hours:

M-F: 9:00 to 5:00


M-F: 8:30 to 9:00


       Privacy Policy  Contact Us   Sitemap   Home