Auto Loans · Minnesota
79 credit unions in Minnesota report car loan rates to the NCUA. Rates range from 3.50% to 7.74%.
Updated Q1 2026 · NCUA Call Report data
79
CUs Reporting Rates
3.50%
Lowest New Car Rate
5.48%
State Average Rate
60
Cities Covered
79 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NORTHRIDGE COMMUNITY Virginia | 3.50% | 6.75% |
| 2 | DEER RIVER COOPERATIVE DEER RIVER | 4.25% | 5.00% |
| 3 | CROW WING POWER Brainerd | 4.29% | 4.29% |
| 4 | ST. PAUL Saint Paul | 4.29% | 4.29% |
| 5 | BLAZE Falcon Heights | 4.49% | 4.49% |
| 6 | HIBBING COOPERATIVE Hibbing | 4.59% | 5.49% |
| 7 | TWO HARBORS TWO HARBORS | 4.64% | 5.09% |
| 8 | BRAINERD B. N. Brainerd | 4.69% | 4.94% |
| 9 | MINNESOTA VALLEY Mankato | 4.74% | 4.99% |
| 10 | HARBOR POINTE DULUTH | 4.74% | 4.74% |
| 11 | RED LAKE CO OP Red Lake Falls | 4.74% | 6.22% |
| 12 | MAYO EMPLOYEES ROCHESTER | 4.79% | 4.99% |
| 13 | FEDERATED EMPLOYEES OWATONNA | 4.79% | 5.68% |
| 14 | NORTH STAR COOK | 4.82% | 7.32% |
| 15 | FARM CREDIT EMPLOYEES Saint Paul | 4.89% | 7.25% |
| 16 | MID MINNESOTA Baxter | 4.94% | 5.44% |
| 17 | ELECTRIC MACHINERY EMPLOYEES MINNEAPOLIS | 4.99% | 5.29% |
| 18 | UNITED EMPLOYEES ALBERT LEA | 4.99% | 4.99% |
| 19 | RIVERVIEW SOUTH SAINT PAU | 4.99% | 6.49% |
| 20 | ACCENTRA AUSTIN | 4.99% | 4.99% |
| 21 | MEMBERS COOPERATIVE DULUTH | 4.99% | 4.99% |
| 22 | ST. CLOUD FINANCIAL Sartell | 4.99% | 4.99% |
| 23 | ELY AREA ELY | 5.00% | 5.00% |
| 24 | NOVATION OAKDALE | 5.03% | 6.17% |
| 25 | BUILDING TRADES MAPLE GROVE | 5.05% | 5.50% |
| 26 | NORTH MEMORIAL ROBBINSDALE | 5.09% | 5.99% |
| 27 | AFFINITY PLUS Saint Paul | 5.24% | 5.99% |
| 28 | MINNCO Cambridge | 5.24% | 5.49% |
| 29 | SHAREPOINT Bloomington | 5.24% | 5.49% |
| 30 | TRANSIT OPERATIONS MINNEAPOLIS | 5.25% | 7.25% |
| 31 | ALEXANDRIA SCHOOLS EMPLOYEES Alexandria | 5.25% | 5.32% |
| 32 | ZIEGLER BLOOMINGTON | 5.25% | 6.75% |
| 33 | TRUSTONE FINANCIAL Plymouth | 5.26% | 5.80% |
| 34 | TRADES & LABOR ALBERT LEA | 5.26% | 6.54% |
| 35 | SOUTHPOINT FINANCIAL SLEEPY EYE | 5.28% | 6.19% |
| 36 | MOWER COUNTY CATHOLIC PARISHES Austin | 5.29% | 6.54% |
| 37 | IDEAL WOODBURY | 5.44% | 5.24% |
| 38 | TRUSTAR INTERNATIONAL F | 5.49% | 5.99% |
| 39 | METROPOLITAN SERVICES SAINT PAUL | 5.49% | 5.99% |
| 40 | VIRGINIA COOP Virginia | 5.49% | 5.49% |
| 41 | CARPENTERS Saint Paul | 5.49% | 6.10% |
| 42 | HEARTLAND Inver Grove Hei | 5.49% | 6.99% |
| 43 | WEST METRO SCHOOLS Hopkins | 5.49% | 6.40% |
| 44 | FIRST ALLIANCE Rochester | 5.49% | 6.99% |
| 45 | CATHOLIC UNITED FINANCIAL SAINT PAUL | 5.50% | 5.50% |
| 46 | AUSTIN CITY EMPLOYEES Austin | 5.50% | 6.00% |
| 47 | GREATER COMMUNITY Dawson | 5.50% | 6.00% |
| 48 | DULUTH FIRE DEPARTMENT DULUTH | 5.61% | 6.00% |
| 49 | MOWER COUNTY EMPLOYEES Austin | 5.62% | 7.12% |
| 50 | DANFOSS EMPLOYEES Plymouth | 5.65% | 5.91% |
| 51 | EMBARRASS VERMILLION Aurora | 5.71% | 6.38% |
| 52 | MY BLOOMINGTON | 5.74% | 5.74% |
| 53 | LATVIAN Minneapolis | 5.74% | 5.74% |
| 54 | EXPEDITION Mendota Heights | 5.74% | 6.74% |
| 55 | MAGNIFI FINANCIAL MELROSE | 5.74% | 7.24% |
| 56 | NORTH SHORE Silver Bay | 5.75% | 5.75% |
| 57 | DULUTH POLICE DEPARTMENT EMPLOYEES DULUTH | 5.79% | 5.99% |
| 58 | ASSOCIATED HEALTHCARE Woodbury | 5.82% | 6.62% |
| 59 | SHARE ADVANTAGE Duluth | 5.91% | 7.03% |
| 60 | WAKOTA South St Paul | 5.99% | 6.78% |
| 61 | LEADING EDGE Worthington | 5.99% | 5.99% |
| 62 | FIRST PACE West St Paul | 6.02% | 5.94% |
| 63 | SMW FINANCIAL LINO LAKES | 6.09% | 6.84% |
| 64 | NORTHWOODS Cloquet | 6.15% | 7.67% |
| 65 | TORO EMPLOYEES Bloomington | 6.16% | 7.96% |
| 66 | MINNESOTA POWER EMPLOYEES DULUTH | 6.18% | 6.65% |
| 67 | CO-OP CREDIT UNION OF MONTEVIDEO Montevideo | 6.20% | 7.20% |
| 68 | RED WING Red Wing | 6.30% | 6.97% |
| 69 | MINNESOTA CATHOLIC Little Canada | 6.33% | 8.26% |
| 70 | TEAMSTERS Blaine | 6.34% | 7.88% |
| 71 | SOUTH METRO PRIOR LAKE | 6.38% | 7.63% |
| 72 | TOPLINE FINANCIAL Maple Grove | 6.38% | 6.83% |
| 73 | NORTHERN COMMUNITIES DULUTH | 6.39% | 9.46% |
| 74 | FAIRMONT SCHOOL EMPLOYEES FAIRMONT | 6.45% | 7.65% |
| 75 | CITY & COUNTY SAINT PAUL | 6.50% | 6.99% |
| 76 | NSP Maplewood | 6.50% | 6.50% |
| 77 | HOME TOWN Owatonna | 6.61% | 7.59% |
| 78 | PIPEFITTERS-STEAMFITTERS Woodbury | 7.25% | 6.50% |
| 79 | CENTRICITY HERMANTOWN | 7.74% | 7.99% |
80 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CROW WING POWER Brainerd | 4.29% | 4.29% |
| 2 | ST. PAUL Saint Paul | 4.29% | 4.29% |
| 3 | BLAZE Falcon Heights | 4.49% | 4.49% |
| 4 | HARBOR POINTE DULUTH | 4.74% | 4.74% |
| 5 | BRAINERD B. N. Brainerd | 4.94% | 4.69% |
| 6 | MINNESOTA VALLEY Mankato | 4.99% | 4.74% |
| 7 | MAYO EMPLOYEES ROCHESTER | 4.99% | 4.79% |
| 8 | UNITED EMPLOYEES ALBERT LEA | 4.99% | 4.99% |
| 9 | ACCENTRA AUSTIN | 4.99% | 4.99% |
| 10 | MEMBERS COOPERATIVE DULUTH | 4.99% | 4.99% |
| 11 | ST. CLOUD FINANCIAL Sartell | 4.99% | 4.99% |
| 12 | DEER RIVER COOPERATIVE DEER RIVER | 5.00% | 4.25% |
| 13 | ELY AREA ELY | 5.00% | 5.00% |
| 14 | TRIBE Eagan | 5.00% | — |
| 15 | TWO HARBORS TWO HARBORS | 5.09% | 4.64% |
| 16 | IDEAL WOODBURY | 5.24% | 5.44% |
| 17 | ELECTRIC MACHINERY EMPLOYEES MINNEAPOLIS | 5.29% | 4.99% |
| 18 | ALEXANDRIA SCHOOLS EMPLOYEES Alexandria | 5.32% | 5.25% |
| 19 | MID MINNESOTA Baxter | 5.44% | 4.94% |
| 20 | HIBBING COOPERATIVE Hibbing | 5.49% | 4.59% |
| 21 | MINNCO Cambridge | 5.49% | 5.24% |
| 22 | SHAREPOINT Bloomington | 5.49% | 5.24% |
| 23 | VIRGINIA COOP Virginia | 5.49% | 5.49% |
| 24 | BUILDING TRADES MAPLE GROVE | 5.50% | 5.05% |
| 25 | CATHOLIC UNITED FINANCIAL SAINT PAUL | 5.50% | 5.50% |
| 26 | FEDERATED EMPLOYEES OWATONNA | 5.68% | 4.79% |
| 27 | MY BLOOMINGTON | 5.74% | 5.74% |
| 28 | LATVIAN Minneapolis | 5.74% | 5.74% |
| 29 | NORTH SHORE Silver Bay | 5.75% | 5.75% |
| 30 | TRUSTONE FINANCIAL Plymouth | 5.80% | 5.26% |
| 31 | DANFOSS EMPLOYEES Plymouth | 5.91% | 5.65% |
| 32 | FIRST PACE West St Paul | 5.94% | 6.02% |
| 33 | NORTH MEMORIAL ROBBINSDALE | 5.99% | 5.09% |
| 34 | AFFINITY PLUS Saint Paul | 5.99% | 5.24% |
| 35 | TRUSTAR INTERNATIONAL F | 5.99% | 5.49% |
| 36 | METROPOLITAN SERVICES SAINT PAUL | 5.99% | 5.49% |
| 37 | DULUTH POLICE DEPARTMENT EMPLOYEES DULUTH | 5.99% | 5.79% |
| 38 | LEADING EDGE Worthington | 5.99% | 5.99% |
| 39 | AUSTIN CITY EMPLOYEES Austin | 6.00% | 5.50% |
| 40 | GREATER COMMUNITY Dawson | 6.00% | 5.50% |
| 41 | DULUTH FIRE DEPARTMENT DULUTH | 6.00% | 5.61% |
| 42 | CARPENTERS Saint Paul | 6.10% | 5.49% |
| 43 | NOVATION OAKDALE | 6.17% | 5.03% |
| 44 | SOUTHPOINT FINANCIAL SLEEPY EYE | 6.19% | 5.28% |
| 45 | RED LAKE CO OP Red Lake Falls | 6.22% | 4.74% |
| 46 | EMBARRASS VERMILLION Aurora | 6.38% | 5.71% |
| 47 | WEST METRO SCHOOLS Hopkins | 6.40% | 5.49% |
| 48 | RIVERVIEW SOUTH SAINT PAU | 6.49% | 4.99% |
| 49 | NSP Maplewood | 6.50% | 6.50% |
| 50 | PIPEFITTERS-STEAMFITTERS Woodbury | 6.50% | 7.25% |
| 51 | TRADES & LABOR ALBERT LEA | 6.54% | 5.26% |
| 52 | MOWER COUNTY CATHOLIC PARISHES Austin | 6.54% | 5.29% |
| 53 | ASSOCIATED HEALTHCARE Woodbury | 6.62% | 5.82% |
| 54 | MINNESOTA POWER EMPLOYEES DULUTH | 6.65% | 6.18% |
| 55 | EXPEDITION Mendota Heights | 6.74% | 5.74% |
| 56 | NORTHRIDGE COMMUNITY Virginia | 6.75% | 3.50% |
| 57 | ZIEGLER BLOOMINGTON | 6.75% | 5.25% |
| 58 | WAKOTA South St Paul | 6.78% | 5.99% |
| 59 | TOPLINE FINANCIAL Maple Grove | 6.83% | 6.38% |
| 60 | SMW FINANCIAL LINO LAKES | 6.84% | 6.09% |
| 61 | RED WING Red Wing | 6.97% | 6.30% |
| 62 | HEARTLAND Inver Grove Hei | 6.99% | 5.49% |
| 63 | FIRST ALLIANCE Rochester | 6.99% | 5.49% |
| 64 | CITY & COUNTY SAINT PAUL | 6.99% | 6.50% |
| 65 | SHARE ADVANTAGE Duluth | 7.03% | 5.91% |
| 66 | MOWER COUNTY EMPLOYEES Austin | 7.12% | 5.62% |
| 67 | CO-OP CREDIT UNION OF MONTEVIDEO Montevideo | 7.20% | 6.20% |
| 68 | MAGNIFI FINANCIAL MELROSE | 7.24% | 5.74% |
| 69 | FARM CREDIT EMPLOYEES Saint Paul | 7.25% | 4.89% |
| 70 | TRANSIT OPERATIONS MINNEAPOLIS | 7.25% | 5.25% |
| 71 | NORTH STAR COOK | 7.32% | 4.82% |
| 72 | HOME TOWN Owatonna | 7.59% | 6.61% |
| 73 | SOUTH METRO PRIOR LAKE | 7.63% | 6.38% |
| 74 | FAIRMONT SCHOOL EMPLOYEES FAIRMONT | 7.65% | 6.45% |
| 75 | NORTHWOODS Cloquet | 7.67% | 6.15% |
| 76 | TEAMSTERS Blaine | 7.88% | 6.34% |
| 77 | TORO EMPLOYEES Bloomington | 7.96% | 6.16% |
| 78 | CENTRICITY HERMANTOWN | 7.99% | 7.74% |
| 79 | MINNESOTA CATHOLIC Little Canada | 8.26% | 6.33% |
| 80 | NORTHERN COMMUNITIES DULUTH | 9.46% | 6.39% |
Most community credit unions in Minnesota accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.