At MetrumCU, we think being a great member should come with great rewards. That’s why we created the Cool Car Club—a simple way to earn a rebate toward your MetrumCU auto loan balance every month just by using your MetrumCU Spending Account.
And the best part? Your auto loan doesn’t have to be for a brand new vehicle to qualify*. The Cool Car Club is open to all eligible auto loans opened at MetrumCU on or after January 1, 2026, including:
- New auto loans
- Used auto loans
- Auto equity loans (title loans)
- Auto loans refinanced from another lender
- Indirect auto loans (MetrumCU auto loans financed at the dealership)
How Do You Get In the Club?
It’s easy! To qualify for the Cool Car Club rebate each month, you’ll need to:
- Complete at least 17 debit card transactions during the month.
- Receive at least $500 in ACH deposits during the month.
- Be enrolled in eStatements.
You’ll also need to have either a Cash Back Spending Account or High Yield Spending Account with MetrumCU.
Depending on your qualifications, you can receive a rebate of up to 0.50% Annual Percentage Rate (APR) every month* paid directly to your auto loan balance. That means you can potentially save on your auto loan month after month—just by making your MetrumCU Spending Account part of your everyday financial routine. And if you don’t qualify one month, no worries! Each month is a fresh opportunity to qualify and earn your rebate.
Ready to Get Cool?
If you already have a qualifying MetrumCU auto loan and don’t have a Cash Back or High Yield Spending Account, open one today and start working toward your first monthly rebate.
Already have a Spending Account? Keep swiping, keep depositing, keep going paperless—and enjoy the perks of being a member of the Cool Car Club.
Because being cool should save you money.
*Cool Car Club benefits are subject to eligibility requirements and program terms. To qualify for the monthly rebate, members must complete at least 17 debit card transactions, receive at least $500 in ACH deposits, and be enrolled in eStatements during the qualifying month. Members must have a qualifying MetrumCU auto loan opened on or after January 1, 2026, and a Cash Back Spending Account or High Yield Spending Account. Eligible auto loans include new, used, direct, indirect, auto equity and refinanced auto loans. Rebate amounts and applicable Annual Percentage Rate reductions are subject to program terms. See MetrumCU for complete details.