Auto Loans · Owatonna, Minnesota
2 credit unions in Owatonna report car loan rates to the NCUA. Rates range from 4.79% to 6.61%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.79%
Lowest New Car Rate
5.70%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FEDERATED EMPLOYEES | 4.79% | 5.68% |
| 2 | HOME TOWN ★ 3.0 · 46 reviews | 6.61% | 7.59% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FEDERATED EMPLOYEES | 5.68% | 4.79% |
| 2 | HOME TOWN ★ 3.0 · 46 reviews | 7.59% | 6.61% |
A pre-approval from a Owatonna 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 Owatonna in the same window and take the best offer.
See member reviews, branch locations, and full rate details.