Auto Loans · Austin, Minnesota
4 credit unions in Austin report car loan rates to the NCUA. Rates range from 4.99% to 5.62%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.35%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ACCENTRA ★ 3.6 · 44 reviews | 4.99% | 4.99% |
| 2 | MOWER COUNTY CATHOLIC PARISHES | 5.29% | 6.54% |
| 3 | AUSTIN CITY EMPLOYEES ★ 4.0 · 1 reviews | 5.50% | 6.00% |
| 4 | MOWER COUNTY EMPLOYEES ★ 5.0 · 3 reviews | 5.62% | 7.12% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ACCENTRA ★ 3.6 · 44 reviews | 4.99% | 4.99% |
| 2 | AUSTIN CITY EMPLOYEES ★ 4.0 · 1 reviews | 6.00% | 5.50% |
| 3 | MOWER COUNTY CATHOLIC PARISHES | 6.54% | 5.29% |
| 4 | MOWER COUNTY EMPLOYEES ★ 5.0 · 3 reviews | 7.12% | 5.62% |
A pre-approval from a Austin 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 Austin in the same window and take the best offer.
See member reviews, branch locations, and full rate details.