Knowing a few things up front can get you a better deal when purchasing a new or used vehicle. A new car is one of the most expensive purchases many consumers make. It's important to know how to get a smart deal. We hope that this site will give you the information that you will need to make the best deal possible when purchasing a new or used vehicle.

Current USSCO Loan Rates
can be found on the "Rates" page

Life and Disability Insurance
You will find that USSCO 's pricing will
beat the dealer every time.

Life Insurance....$.07/$100.00 of monthly balance
Joint Life Insurance....$.122/$100.00 of monthly balance
Available to age 65

Disability Insurance
Available if you work 25 hours or more per week

If your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, your Gap auto insurance will cover the replacement value. Nevertheless, you remain liable for payment of the difference between the insurance settlement and your loan balance. Gap Standard coverage includes coverage for the primary auto insurance deductible, up to $1,000.00. Benefits are for new or used vehicles, including cars, light trucks, motorcycles and some other motorized vehicles. GAP Plus Protection includes  $1,000.00 down payment credit toward a replacement vehicle. Cost: $275.00 per loan.

LOAN CALCULATORS

Use this calculator to calculate a loan with credit disability, credit life, and GAP Insurance (Guaranteed Asset Protection).

Use this calculator to calculate a loan with credit disability and credit life.

With USSCO's Group Insurance Program, it's easy to start saving money through lower insurance rates. Simply contact Buettner Insurance at 536-3511 or (877) 536-3511 or FWF Insurance at 262-9833 or (800) 544-6608 for Donegal Insurance. For discounts through Nationwide Insurance contact Maulnick Insurance or any Nationwide Insurance agent and let them know that you are a USSCO Credit Union member. They will review your insurance coverage with you and provide you with a FREE quote of our special discounted rates.

 FWF Insurance

fwfinsurance.com

Nationwide Insurance

USSCO Repayment Options include:
Payroll Deductions
Automatic Transfers
Over the Counter

Check out the helpful links below before you visit a dealership.

This site provides True Market Value pricing, unbiased car reviews, ratings and expert advice to help you get a fair deal. Find a local dealer and view their inventory from the comfort of your home or office. Click on the Edmunds logo above to get started.

Haggle-free buying. Worry-free ownership. Purchase a used vehicle from Enterprise. A Great collection of used cars for sale. Find your vehicle on line by clicking on the Enterprise logo above. Contact the closest dealership and a representative will bring the vehicle to Johnstown for you to test drive.

NADA.COM

Used Vehicle Information
Before you buy, sell or trade a used vehicle, be sure to get the Blue Book trade-in or retail value.

New Vehicle Information

Build and price your new "dream" vehicle.
Find incentives and rebates offered by the manufacturer.
Review a 5 year cost of ownership report
Quality ratings for vehicles
New Car reviews

Tip: Negotiate up from the invoice price (the dealer's approximate cost), never down from the Manufacturer's Suggested Retail Price (Sticker Price). A reasonable price is usually 3% to 5% above invoice, depending on market demand for the car.

Motorcycle

Find the trade-in and retail values on used street and dirt bikes, ATVs, scooters, mopeds, sidecars, personal watercraft and snowmobiles.

This site will find and compare gas mileage, greenhouse gas emissions, air pollution ratings and safety information for new and used cars and trucks.

Use a vehicle VIN number and detect any problem
hidden in a vehicles past.
Receive a Vehicle Check on used vehicles for FREE.
Offers a detailed Vehicle History report for a Fee.