Auto Loans · Bloomington, Minnesota
4 credit unions in Bloomington report car loan rates to the NCUA. Rates range from 5.24% to 6.16%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
5.24%
Lowest New Car Rate
5.60%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SHAREPOINT ★ 3.0 · 29 reviews | 5.24% | 5.49% |
| 2 | ZIEGLER ★ 4.1 · 101 reviews | 5.25% | 6.75% |
| 3 | MY ★ 2.6 · 90 reviews | 5.74% | 5.74% |
| 4 | TORO EMPLOYEES ★ 4.1 · 9 reviews | 6.16% | 7.96% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SHAREPOINT ★ 3.0 · 29 reviews | 5.49% | 5.24% |
| 2 | MY ★ 2.6 · 90 reviews | 5.74% | 5.74% |
| 3 | ZIEGLER ★ 4.1 · 101 reviews | 6.75% | 5.25% |
| 4 | TORO EMPLOYEES ★ 4.1 · 9 reviews | 7.96% | 6.16% |
A pre-approval from a Bloomington 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 Bloomington in the same window and take the best offer.
See member reviews, branch locations, and full rate details.