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  9. Auto Loan Rate Trends

St Paul, Minnesota Best Auto Loan Rates - September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in St Paul, Minnesota. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: September 28, 2026

Current auto loan rates in St Paul, Minnesota range from 3.64% to 4.49% APR across the five lenders featured below, verified by MonitorBankRates as of September 28, 2026. Current auto loan rates in St Paul, Minnesota include Blaze Credit UnionBlaze Credit Union111 Empire Drive, St Paul, MN, 55103A5.0 ★Texas Ratio: 6.19% offering New Vehicle 2025 & Newer+ Loan at 4.49%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31% offering Auto Loan at 3.64%, Carpenters Federal Credit UnionCarpenters Federal Credit UnionA+5.0 ★Texas Ratio: 2.61% offering 2022 - 2026 New & Used Vehicles Loan at 3.79%, Associated Healthcare Credit UnionAssociated Healthcare Credit UnionA+5.0 ★Texas Ratio: 3.27% offering New Auto (2025 & Newer) - Up to 36 Months at 3.99%, Hometown Federal Credit UnionHometown Federal Credit UnionA+5.0 ★Texas Ratio: 3.52% offering Auto Loan - 2025 & Newer at 3.99%. Auto loan rates as of September 28, 2026 according to verified data from MonitorBankRates.

St Paul has 1 local institution in our database, with auto loan rates as low as 4.49% APR from Blaze Credit Union at 111 Empire Drive, St Paul, MN, 55103. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in St Paul, Minnesota. Auto Loan Rates Last Updated and Verified: September 28, 2026

Compare Auto Loan Rates Today in St Paul, Minnesota & Surrounding Area

Jump to: All Auto Loans · New Auto · Used Auto

St Paul Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
New Vehicle 2025 & Newer+ Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedSep 27, 2026
Details

Model Year: 2014-2025

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
New Vehicle 2025 & Newer Loan
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
New Vehicle 2025 & Newer Loan
5.20%
60 months
View
▼
APR5.20%
Term60 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.20% APR · checked 3 times
4.70%5.20%5.70%Sep 14, 2026: 5.20% APRSep 14, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
5.30%
48 months
View
▼
APR5.30%
Term48 months
Last UpdatedSep 27, 2026
Details

Model Year: 2022-2025

Rate History
No change since Sep 22, 2026 · 5.30% APR · checked 2 times
4.80%5.30%5.80%Sep 22, 2026: 5.30% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
New Vehicle 2025 & Newer Loan
5.35%
72 months
View
▼
APR5.35%
Term72 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.35% APR · checked 3 times
4.85%5.35%5.85%Sep 14, 2026: 5.35% APRSep 14, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedSep 27, 2026
Details

Model Year: 2022-2025

Rate History
No change since Sep 22, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 22, 2026: 5.50% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
New Vehicle 2025 & Newer Loan
5.70%
84 months
View
▼
APR5.70%
Term84 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.70% APR · checked 3 times
5.20%5.70%6.20%Sep 14, 2026: 5.70% APRSep 14, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
5.70%
72 months
View
▼
APR5.70%
Term72 months
Last UpdatedSep 27, 2026
Details

Model Year: 2022-2025

Rate History
No change since Sep 22, 2026 · 5.70% APR · checked 2 times
5.20%5.70%6.20%Sep 22, 2026: 5.70% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
6.05%
84 months
View
▼
APR6.05%
Term84 months
Last UpdatedSep 27, 2026
Details

Model Year: 2022-2025

Rate History
No change since Sep 22, 2026 · 6.05% APR · checked 2 times
5.55%6.05%6.55%Sep 22, 2026: 6.05% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
6.30%
48 months
View
▼
APR6.30%
Term48 months
Last UpdatedSep 27, 2026
Details

Model Year: 2014-2021

Rate History
No change since Sep 22, 2026 · 6.30% APR · checked 2 times
5.80%6.30%6.80%Sep 22, 2026: 6.30% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
6.80%
60 months
View
▼
APR6.80%
Term60 months
Last UpdatedSep 27, 2026
Details

Model Year: 2014-2021

Rate History
No change since Sep 22, 2026 · 6.80% APR · checked 2 times
6.30%6.80%7.30%Sep 22, 2026: 6.80% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
6.95%
72 months
View
▼
APR6.95%
Term72 months
Last UpdatedSep 27, 2026
Details

Model Year: 2014-2021

Rate History
No change since Sep 22, 2026 · 6.95% APR · checked 2 times
6.45%6.95%7.45%Sep 22, 2026: 6.95% APRSep 22, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
3.64%
0 - 36 Months
View
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2025 & Newer

Rate History
No change since Sep 22, 2026 · 3.64% APR · checked 3 times
3.14%3.64%4.14%Sep 22, 2026: 3.64% APRSep 22, 2026Sep 28, 2026
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
2022 - 2026 New & Used Vehicles Loan
3.79%
36 months
View
▼
APR3.79%
Term36 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.79% APR · checked 4 times
3.29%3.79%4.29%Sep 14, 2026: 3.79% APRSep 14, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Auto (2025 & Newer) - Up to 36 Months
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 3 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Auto (2024-2018) Loan
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loan - 2025 & Newer
3.99%
36 months
View
▼
APR3.99%
Interest Rate3.99%
Term36 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 21, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 21, 2026: 3.99% APRSep 21, 2026Sep 28, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer
3.99%
36 Months
View
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 3 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Auto Loan
4.00%
36-Month
View
▼
APR4.00%
Term36-Month
Last UpdatedSep 22, 2026
Details

Model Year: 2025 and newer

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
4.14%
37 - 75 Months
View
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2025 & Newer

Rate History
No change since Sep 22, 2026 · 4.14% APR · checked 3 times
3.64%4.14%4.64%Sep 22, 2026: 4.14% APRSep 22, 2026Sep 28, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer
4.18%
48 Months
View
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.18% APR · checked 3 times
3.68%4.18%4.68%Sep 18, 2026: 4.18% APRSep 18, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Auto (2025 & Newer) - Up to 48 Months
4.24%
Up to 48 Months
View
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Auto (2024-2018) Loan
4.24%
Up to 48 Months
View
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 2 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Sep 28, 2026
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loan - 2024 & Older
4.24%
36 months
View
▼
APR4.24%
Interest Rate4.24%
Term36 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 21, 2026 · 4.24% APR · checked 2 times
3.74%4.24%4.74%Sep 21, 2026: 4.24% APRSep 21, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2022 & Newer Auto Loan
4.24%
24 months
View
▼
APR4.24%
Term24 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
1 change since Sep 18, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99%
3.49%4.12%4.74%Sep 18, 2026: 3.99% APRSep 22, 2026: 4.24% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20264.24%▲ from 3.99%
  • Sep 18, 20263.99%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Auto Loans
4.24%
24 months
View
▼
APR4.24%
Term24 months
Last UpdatedSep 27, 2026
Details

Rates reflect 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account. Rate available on 2022 and newer vehicles. APR may vary based on credit profile, loan amount, down payment, term of loan and collateral type. Loan subject to approval. Additional terms may be available. Rates, terms and conditions subject to change. Rates will be higher on loans with a Loan-to-Value ratio over 90%. Offer does not apply to existing TopLine auto loans. During 90-day no payment period, interest will accrue. Payment due date will be 90 days after the funding date. Must meet certain credit qualifications for 90-day no payment offer.

Rate History
1 change since Sep 14, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99%
3.49%4.12%4.74%Sep 14, 2026: 3.99% APRSep 22, 2026: 4.24% APRSep 14, 2026Sep 28, 2026
  • Sep 22, 20264.24%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Auto Loan
4.25%
36-Month
View
▼
APR4.25%
Term36-Month
Last UpdatedSep 22, 2026
Details

Model Year: 2024

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APRSep 18, 2026: 4.25% APRSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Auto Loan
4.25%
48-Month
View
▼
APR4.25%
Term48-Month
Last UpdatedSep 22, 2026
Details

Model Year: 2025 and newer

Rate History
1 change since Sep 14, 2026 · 5.50% → 4.25% ▼ 1.25 pts · high 5.50% / low 4.25%
3.00%4.88%6.75%Sep 14, 2026: 5.50% APRSep 18, 2026: 4.25% APRSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.25%▼ from 5.50%
  • Sep 14, 20265.50%first recorded
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicles 2023 & Newer Loan
4.25%
2 Years
View
▼
APR4.25%
Term2 Years
Last UpdatedSep 22, 2026
Details

As low as; ALL UNTITLED COLLATERAL WILL HAVE A 1% RATE INCREASE.

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Sep 28, 2026
SMW Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New Auto Loans
4.29%
2023+ model years
View
▼
APR4.29%
Term2023+ model years
Last UpdatedSep 27, 2026
Details

No payments for 60 days. Other terms and rates available.

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Sep 28, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer
4.39%
60 Months
View
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.39% APR · checked 3 times
3.89%4.39%4.89%Sep 18, 2026: 4.39% APRSep 18, 2026Sep 28, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New & Used Auto Loans
4.41%
36 Months
View
▼
APR4.41%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As*

Rate History
No change since Sep 18, 2026 · 4.41% APR · checked 2 times
3.91%4.41%4.91%Sep 18, 2026: 4.41% APRSep 18, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Auto (2025 & Newer) - Up to 84 Months
4.49%
Up to 84 Months
View
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Auto (2024-2018) Loan
4.49%
Up to 60 Months
View
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Auto Loan
4.49%
12-36 months
View
▼
APR4.49%
Term12-36 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Autos 2022-newer
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedSep 22, 2026
Details

Published APR range: 4.49% - 11.49%.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
4.49%
Up to 36 Months
View
▼
APR4.49%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 4.74%, 4.99%, 5.24%. As Low As

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Auto Loan
4.49%
3-Year
View
▼
APR4.49%
Term3-Year
Last UpdatedSep 25, 2026
Details

As Low As; Auto Loan Rates

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New & Used Vehicle Loan
4.49%
Up to 36 Months
View
▼
APR4.49%
TermUp to 36 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2021 and Newer; ***

Rate History
1 change since Sep 14, 2026 · 4.69% → 4.49% ▼ 0.20 pts · high 4.69% / low 4.49%
3.99%4.59%5.19%Sep 14, 2026: 4.69% APRSep 26, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20264.49%▼ from 4.69%
  • Sep 14, 20264.69%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Auto Loan Promotional Rate - 2022 & Newer
4.49%
24 months
View
▼
APR4.49%
Term24 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Sep 28, 2026
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Vehicle Loans - 2024 or newer
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedSep 22, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Sep 28, 2026
Alexandria Schools Employees Credit Union
Institution Rating:
B-4.2 ★ Texas Ratio: 24.07%
Autos, SUVs, Pickup Trucks 2022 to New
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.50% APR
4.00%4.50%5.00%Sep 22, 2026: 4.50% APRSep 22, 2026Sep 28, 2026
Alexandria Schools Employees Credit Union
Institution Rating:
B-4.2 ★ Texas Ratio: 24.07%
Autos, SUVs, Pickup Trucks 2022 to New
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.50% APR
4.00%4.50%5.00%Sep 22, 2026: 4.50% APRSep 22, 2026Sep 28, 2026
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Auto Loan
4.50%
48-Month
View
▼
APR4.50%
Term48-Month
Last UpdatedSep 22, 2026
Details

Model Year: 2024

Rate History
1 change since Sep 14, 2026 · 5.50% → 4.50% ▼ 1.00 pts · high 5.50% / low 4.50%
3.50%5.00%6.50%Sep 14, 2026: 5.50% APRSep 18, 2026: 4.50% APRSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.50%▼ from 5.50%
  • Sep 14, 20265.50%first recorded
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Auto Loan
4.50%
60-Month
View
▼
APR4.50%
Term60-Month
Last UpdatedSep 22, 2026
Details

Model Year: 2025 and newer

Rate History
1 change since Sep 14, 2026 · 4.75% → 4.50% ▼ 0.25 pts · high 4.75% / low 4.50%
4.00%4.63%5.25%Sep 14, 2026: 4.75% APRSep 18, 2026: 4.50% APRSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.50%▼ from 4.75%
  • Sep 14, 20264.75%first recorded
Royal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.17%
Vehicle Loan (2023 & Newer Vehicles)
4.54%
24 Month
View
▼
APR4.54%
Term24 Month
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 3 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Sep 28, 2026
Danfoss Employees Credit Union
Institution Rating:
D3.4 ★ Texas Ratio: 34.83%
New/Nearly New Vehicles Loan
4.60%
Up to 36 Months
View
▼
APR4.60%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details

** Current or previous year with less than 12,000

Rate History
No change since Sep 14, 2026 · 4.60% APR · checked 3 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APRSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
4.64%
0 - 36 Months
View
▼
APR4.64%
Interest Rate4.64%
Term0 - 36 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2022 - 2024*

Rate History
No change since Sep 22, 2026 · 4.64% APR · checked 3 times
4.14%4.64%5.14%Sep 22, 2026: 4.64% APRSep 22, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Auto Loan
4.74%
37-60 months
View
▼
APR4.74%
Term37-60 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Auto Loan
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedSep 22, 2026
Details

Published APR range: 4.74% to 14.24%. Offer valid on new/used auto. Rates apply to new money only. All loans are subject to standard credit approval terms and risk analysis. For joint loans, the average credit score is used. APR = Annual Percentage Rate. Rates apply to 2016-2026 model years. Price adjustment: +1% for 2011-2015 collateral, with a maximum term of 60 Months. Price adjustment +3% 2010-older collateral, max term 36 MTh.

Rate History
No change since Sep 22, 2026 · 4.74% APR
4.24%4.74%5.24%Sep 22, 2026: 4.74% APRSep 22, 2026Sep 28, 2026
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Auto Loans - 36 Months
4.74%
36 Months*
View
▼
APR4.74%
Interest Rate4.74%
Term36 Months*
Last UpdatedSep 22, 2026
Details

Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Sep 28, 2026
First Pace Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto
4.74%
84 month
View
▼
APR4.74%
Term84 month
Last UpdatedSep 22, 2026
Details

As Low As; new up to 100% financing

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
First Pace Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Used Auto
4.74%
72 month
View
▼
APR4.74%
Term72 month
Last UpdatedSep 22, 2026
Details

As Low As; used up to 90% financing

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 4.99%, 5.24%, 5.49%. As Low As

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
NEW AUTO (2025- 2026) - 36 month
4.74%
36 month
View
▼
APR4.74%
Term36 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
NEW AUTO (2025- 2026) - 48 month
4.74%
48 month
View
▼
APR4.74%
Term48 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
USED AUTO (2020 - 2025) - 36 month
4.74%
36 month
View
▼
APR4.74%
Term36 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
USED AUTO (2020 - 2025) - 48 month
4.74%
48 month
View
▼
APR4.74%
Term48 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Auto Loans - Model Year 2023+
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2022 & Newer Auto Loan
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 18, 2026: 4.49% APRSep 22, 2026: 4.74% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Alexandria Schools Employees Credit Union
Institution Rating:
B-4.2 ★ Texas Ratio: 24.07%
Autos, SUVs, Pickup Trucks 2022 to New
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.75% APR
4.25%4.75%5.25%Sep 22, 2026: 4.75% APRSep 22, 2026Sep 28, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.04%
New Auto
4.75%
24 months
View
▼
APR4.75%
Term24 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Sep 28, 2026
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Auto Loan
4.75%
60-Month
View
▼
APR4.75%
Term60-Month
Last UpdatedSep 22, 2026
Details

Model Year: 2024

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Sep 28, 2026
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
2017-2021 New & Used Vehicles Loan
4.79%
36 months
View
▼
APR4.79%
Term36 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 14, 2026: 4.79% APRSep 14, 2026Sep 28, 2026
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
2022 - 2026 New & Used Vehicles Loan
4.79%
48-60 months
View
▼
APR4.79%
Term48-60 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 14, 2026: 4.79% APRSep 14, 2026Sep 28, 2026
SMW Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
Used Auto Loans
4.79%
201 months
View
▼
APR4.79%
Term201 months
Last UpdatedSep 27, 2026
Details

Term: 2018 - 2022 model years; Other terms and rates available.

Rate History
No change since Sep 18, 2026 · 4.79% APR · checked 3 times
4.29%4.79%5.29%Sep 18, 2026: 4.79% APRSep 18, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
4.87%
36 Months
View
▼
APR4.87%
Term36 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 0-2 years

Rate History
No change since Sep 21, 2026 · 4.87% APR
4.37%4.87%5.37%Sep 21, 2026: 4.87% APRSep 21, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Autos & Trucks
4.87%
36 Month Terms
View
▼
APR4.87%
Term36 Month Terms
Last UpdatedSep 21, 2026
Details

Drive happy with great rates and local service.

Rate History
No change since Sep 14, 2026 · 4.87% APR · checked 3 times
4.37%4.87%5.37%Sep 14, 2026: 4.87% APRSep 14, 2026Sep 28, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer
4.87%
72 Months
View
▼
APR4.87%
Interest Rate4.74%
Term72 Months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.87% APR · checked 3 times
4.37%4.87%5.37%Sep 18, 2026: 4.87% APRSep 18, 2026Sep 28, 2026
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Auto Loan - NEW (2026/2025) less than 7,500 miles
4.89%
60 months
View
▼
APR4.89%
Term60 months
Last UpdatedSep 25, 2026
Details

Additional APR listed for this product: 5.39%. Save to the Max on Select Loans*; Max discount of 0.50%; Automatic Payroll Deduction - 0.25% discount; New Member - 0.25% discount; GAP or MRC - 0.25% discount; Applicants are subject to normal credit guidelines. No other loan discounts apply.; *"Save to the Max" discounts do not apply to Real Estate loans, nor Auto loans on model years 2017 and older.

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 3 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
4.94%
24 Months
View
▼
APR4.94%
Term24 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 0-2 years

Rate History
No change since Sep 21, 2026 · 4.94% APR
4.44%4.94%5.44%Sep 21, 2026: 4.94% APRSep 21, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 0-2 years

Rate History
No change since Sep 21, 2026 · 4.94% APR
4.44%4.94%5.44%Sep 21, 2026: 4.94% APRSep 21, 2026Sep 28, 2026
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Used Vehicle Loan
4.99%
60 - 72 Month
View
▼
APR4.99%
Term60 - 72 Month
Last UpdatedSep 21, 2026
Details

2024 - 2025

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Auto (2024-2018) Loan
4.99%
Up to 72 Months
View
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Auto Loan
4.99%
61-75 months
View
▼
APR4.99%
Term61-75 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Vehicle 2023-Newer Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Auto Loans - 36 Months
4.99%
36 Months*
View
▼
APR4.99%
Interest Rate4.99%
Term36 Months*
Last UpdatedSep 22, 2026
Details

Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Vehicle Loan
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 22, 2026
Details

As low as; ZERO DOWN*

Rate History
No change since Sep 22, 2026 · 4.99% APR
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Sep 28, 2026
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Vehicle Loan
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 22, 2026
Details

As low as; ZERO DOWN*

Rate History
No change since Sep 22, 2026 · 4.99% APR
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Sep 28, 2026
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Autos 2022-newer
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedSep 22, 2026
Details

Published APR range: 4.99% - 11.99%.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 5.24%, 5.49%, 5.74%. As Low As

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Auto Loan
4.99%
5 year
View
▼
APR4.99%
Term5 year
Last UpdatedSep 25, 2026
Details

2024 and newer

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
NEW AUTO (2025- 2026) - 60 month
4.99%
60 month
View
▼
APR4.99%
Term60 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
VEHICLE LOANS
4.99%
Up to 48 MONTHS
View
▼
APR4.99%
Interest Rate4.99%
TermUp to 48 MONTHS
Last UpdatedSep 25, 2026
Details

As Low As; Based On Credit (Beacon) Score for Equifax Credit Services

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Sep 28, 2026
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New & Used Vehicle Loan
4.99%
37-60 Months
View
▼
APR4.99%
Term37-60 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2021 and Newer; ***

Rate History
1 change since Sep 14, 2026 · 5.19% → 4.99% ▼ 0.20 pts · high 5.19% / low 4.99%
4.49%5.09%5.69%Sep 14, 2026: 5.19% APRSep 26, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20264.99%▼ from 5.19%
  • Sep 14, 20265.19%first recorded
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
Older Vehicle Loan
4.99%
Up to 36 Months
View
▼
APR4.99%
TermUp to 36 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2020 and Older; ***

Rate History
1 change since Sep 14, 2026 · 5.19% → 4.99% ▼ 0.20 pts · high 5.19% / low 4.99%
4.49%5.09%5.69%Sep 14, 2026: 5.19% APRSep 26, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20264.99%▼ from 5.19%
  • Sep 14, 20265.19%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
2021 and newer Auto Loan
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 14, 2026: 4.74% APRSep 26, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20264.99%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Auto Loans - Model Year 2022 & Older
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2021 - 2020 Auto Loan
4.99%
4.74 months
View
▼
APR4.99%
Term4.74 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2021 - 2020

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2022 & Newer Auto Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 14, 2026: 4.74% APRSep 18, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.99%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Auto Loan Promotional Rate - 2021
4.99%
24 months
View
▼
APR4.99%
Term24 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2021

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Auto Loan Promotional Rate - 2022 & Newer
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Sep 28, 2026
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Vehicle Loans - 2024 or newer
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedSep 22, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Alexandria Schools Employees Credit Union
Institution Rating:
B-4.2 ★ Texas Ratio: 24.07%
Autos, SUVs, Pickup Trucks 2022 to New
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 22, 2026 · 5.00% APR
4.50%5.00%5.50%Sep 22, 2026: 5.00% APRSep 22, 2026Sep 28, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.04%
New Auto
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
5.06%
72 Months
View
▼
APR5.06%
Term72 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 0-2 years

Rate History
No change since Sep 21, 2026 · 5.06% APR
4.56%5.06%5.56%Sep 21, 2026: 5.06% APRSep 21, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
5.07%
60 Months
View
▼
APR5.07%
Term60 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 0-2 years

Rate History
No change since Sep 21, 2026 · 5.07% APR
4.57%5.07%5.57%Sep 21, 2026: 5.07% APRSep 21, 2026Sep 28, 2026
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
VEHICLE LOANS
5.09%
Up to 60 MONTHS
View
▼
APR5.09%
Interest Rate5.09%
TermUp to 60 MONTHS
Last UpdatedSep 25, 2026
Details

As Low As; Based On Credit (Beacon) Score for Equifax Credit Services

Rate History
No change since Sep 21, 2026 · 5.09% APR · checked 3 times
4.59%5.09%5.59%Sep 21, 2026: 5.09% APRSep 21, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
5.11%
12 Months
View
▼
APR5.11%
Term12 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 0-2 years

Rate History
No change since Sep 21, 2026 · 5.11% APR
4.61%5.11%5.61%Sep 21, 2026: 5.11% APRSep 21, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
5.12%
36 Months
View
▼
APR5.12%
Term36 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 3-5 years

Rate History
No change since Sep 21, 2026 · 5.12% APR
4.62%5.12%5.62%Sep 21, 2026: 5.12% APRSep 21, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2022 & Newer Auto Loan
5.14%
48 months
View
▼
APR5.14%
Term48 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
1 change since Sep 18, 2026 · 4.89% → 5.14% ▲ 0.25 pts · high 5.14% / low 4.89%
4.39%5.02%5.64%Sep 18, 2026: 4.89% APRSep 22, 2026: 5.14% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20265.14%▲ from 4.89%
  • Sep 18, 20264.89%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
5.14%
37 - 75 Months
View
▼
APR5.14%
Interest Rate5.14%
Term37 - 75 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2022 - 2024*

Rate History
No change since Sep 22, 2026 · 5.14% APR · checked 3 times
4.64%5.14%5.64%Sep 22, 2026: 5.14% APRSep 22, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
5.14%
76 - 84 Months
View
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2025 & Newer

Rate History
No change since Sep 22, 2026 · 5.14% APR · checked 3 times
4.64%5.14%5.64%Sep 22, 2026: 5.14% APRSep 22, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
5.19%
24 Months
View
▼
APR5.19%
Term24 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 3-5 years

Rate History
No change since Sep 21, 2026 · 5.19% APR
4.69%5.19%5.69%Sep 21, 2026: 5.19% APRSep 21, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
5.19%
48 Months
View
▼
APR5.19%
Term48 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 3-5 years

Rate History
No change since Sep 21, 2026 · 5.19% APR
4.69%5.19%5.69%Sep 21, 2026: 5.19% APRSep 21, 2026Sep 28, 2026
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Vehicle Loan
5.19%
up to 48 months
View
▼
APR5.19%
Termup to 48 months
Last UpdatedSep 22, 2026
Details

As low as; ZERO DOWN*

Rate History
No change since Sep 22, 2026 · 5.19% APR
4.69%5.19%5.69%Sep 22, 2026: 5.19% APRSep 22, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Auto Loan
5.19%
6 year
View
▼
APR5.19%
Term6 year
Last UpdatedSep 25, 2026
Details

2024 and newer

Rate History
No change since Sep 14, 2026 · 5.19% APR · checked 5 times
4.69%5.19%5.69%Sep 14, 2026: 5.19% APRSep 14, 2026Sep 28, 2026
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
VEHICLE LOANS
5.19%
72 MONTHS
View
▼
APR5.19%
Interest Rate5.19%
Term72 MONTHS
Last UpdatedSep 25, 2026
Details

As Low As; Based On Credit (Beacon) Score for Equifax Credit Services

Rate History
No change since Sep 21, 2026 · 5.19% APR · checked 3 times
4.69%5.19%5.69%Sep 21, 2026: 5.19% APRSep 21, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
5.20%
84 Months
View
▼
APR5.20%
Term84 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 0-2 years

Rate History
No change since Sep 21, 2026 · 5.20% APR
4.70%5.20%5.70%Sep 21, 2026: 5.20% APRSep 21, 2026Sep 28, 2026
First Alliance Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Auto Loan
5.24%
76-84 months
View
▼
APR5.24%
Term76-84 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Auto Loans - 48 Months
5.24%
48 Months*
View
▼
APR5.24%
Interest Rate5.24%
Term48 Months*
Last UpdatedSep 22, 2026
Details

Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Autos 2022-newer
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedSep 22, 2026
Details

Published APR range: 5.24% - 12.24%.

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 5.49%. As Low As

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Used Auto Loan
5.24%
5 year
View
▼
APR5.24%
Term5 year
Last UpdatedSep 25, 2026
Details

2020 - 2023 model years.

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
NEW AUTO (2025- 2026) - 72 month
5.24%
72 month
View
▼
APR5.24%
Term72 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
USED AUTO (2020 - 2025) - 60 month
5.24%
60 month
View
▼
APR5.24%
Term60 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New & Used Vehicle Loan
5.24%
61-72 Months
View
▼
APR5.24%
Term61-72 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2021 and Newer; ***

Rate History
1 change since Sep 14, 2026 · 5.44% → 5.24% ▼ 0.20 pts · high 5.44% / low 5.24%
4.74%5.34%5.94%Sep 14, 2026: 5.44% APRSep 26, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.24%▼ from 5.44%
  • Sep 14, 20265.44%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
2021 and newer Auto Loan
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APRSep 26, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
  • Sep 26, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
2021 and newer Auto Loan
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APRSep 26, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
  • Sep 26, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APRSep 26, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
  • Sep 26, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APRSep 26, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
  • Sep 26, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Auto Loans - Model Year 2023+
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Auto Loans - Model Year 2023+
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2019 - 2017 Auto Loan
5.24%
24 months
View
▼
APR5.24%
Term24 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2019 - 2017

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APRSep 22, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2021 - 2020 Auto Loan
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2021 - 2020

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APRSep 22, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2022 & Newer Auto Loan
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
2 changes since Sep 14, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74%
4.24%4.99%5.74%Sep 14, 2026: 4.74% APRSep 18, 2026: 4.99% APRSep 22, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
  • Sep 22, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle 2016-2022 Loan
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 3 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Alexandria Schools Employees Credit Union
Institution Rating:
B-4.2 ★ Texas Ratio: 24.07%
Autos, SUVs, Pickup Trucks 2021 and Older
5.25%
36 months
View
▼
APR5.25%
Term36 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Auto Loan
5.25%
36-Month
View
▼
APR5.25%
Term36-Month
Last UpdatedSep 22, 2026
Details

Model Year: 2017 or older

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 3 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicles 2023 & Newer Loan
5.25%
3 Years
View
▼
APR5.25%
Term3 Years
Last UpdatedSep 22, 2026
Details

As low as; ALL UNTITLED COLLATERAL WILL HAVE A 1% RATE INCREASE.

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 3 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
New Auto
5.25%
36 months
View
▼
APR5.25%
Term36 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
Used Auto
5.25%
24 months
View
▼
APR5.25%
Term24 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
0-39 months
View
▼
APR5.25%
Term0-39 months
Last UpdatedSep 25, 2026
Details

Models 2026 New or Used; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
40-51 months
View
▼
APR5.25%
Term40-51 months
Last UpdatedSep 25, 2026
Details

Models 2026 New or Used; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
52-63 months
View
▼
APR5.25%
Term52-63 months
Last UpdatedSep 25, 2026
Details

Models 2026 New or Used; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
64-75 months
View
▼
APR5.25%
Term64-75 months
Last UpdatedSep 25, 2026
Details

Models 2026 New or Used; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
75 months
View
▼
APR5.25%
Term75 months
Last UpdatedSep 25, 2026
Details

Model 2024 - 2025; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
66 months
View
▼
APR5.25%
Term66 months
Last UpdatedSep 25, 2026
Details

Model 2023; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
54 months
View
▼
APR5.25%
Term54 months
Last UpdatedSep 25, 2026
Details

Model 2022; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
51 months
View
▼
APR5.25%
Term51 months
Last UpdatedSep 25, 2026
Details

Model 2021; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedSep 25, 2026
Details

Model 2019 - 2020; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Vehicle Loan
5.29%
up to 72 months
View
▼
APR5.29%
Termup to 72 months
Last UpdatedSep 22, 2026
Details

As low as; ZERO DOWN*

Rate History
No change since Sep 22, 2026 · 5.29% APR
4.79%5.29%5.79%Sep 22, 2026: 5.29% APRSep 22, 2026Sep 28, 2026
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Vehicle Loan
5.29%
up to 84 months
View
▼
APR5.29%
Termup to 84 months
Last UpdatedSep 22, 2026
Details

As low as; ZERO DOWN*

Rate History
No change since Sep 22, 2026 · 5.29% APR
4.79%5.29%5.79%Sep 22, 2026: 5.29% APRSep 22, 2026Sep 28, 2026
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Vehicle Loan
5.29%
up to 60 months
View
▼
APR5.29%
Termup to 60 months
Last UpdatedSep 22, 2026
Details

As low as; ZERO DOWN*

Rate History
No change since Sep 22, 2026 · 5.29% APR
4.79%5.29%5.79%Sep 22, 2026: 5.29% APRSep 22, 2026Sep 28, 2026
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
VEHICLE LOANS
5.29%
84 MONTHS
View
▼
APR5.29%
Interest Rate5.29%
Term84 MONTHS
Last UpdatedSep 25, 2026
Details

As Low As; Based On Credit (Beacon) Score for Equifax Credit Services

Rate History
No change since Sep 21, 2026 · 5.29% APR · checked 3 times
4.79%5.29%5.79%Sep 21, 2026: 5.29% APRSep 21, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
5.31%
72 Months
View
▼
APR5.31%
Term72 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 3-5 years

Rate History
No change since Sep 21, 2026 · 5.31% APR
4.81%5.31%5.81%Sep 21, 2026: 5.31% APRSep 21, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
5.32%
60 Months
View
▼
APR5.32%
Term60 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 3-5 years

Rate History
No change since Sep 21, 2026 · 5.32% APR
4.82%5.32%5.82%Sep 21, 2026: 5.32% APRSep 21, 2026Sep 28, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer
5.35%
84 Months
View
▼
APR5.35%
Interest Rate5.24%
Term84 Months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 5.35% APR · checked 3 times
4.85%5.35%5.85%Sep 18, 2026: 5.35% APRSep 18, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
5.36%
12 Months
View
▼
APR5.36%
Term12 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 3-5 years

Rate History
No change since Sep 21, 2026 · 5.36% APR
4.86%5.36%5.86%Sep 21, 2026: 5.36% APRSep 21, 2026Sep 28, 2026
Danfoss Employees Credit Union
Institution Rating:
D3.4 ★ Texas Ratio: 34.83%
Used Vehicles Loan
5.36%
Up to 36 Months
View
▼
APR5.36%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details

** Less than 6 years old

Rate History
No change since Sep 14, 2026 · 5.36% APR · checked 3 times
4.86%5.36%5.86%Sep 14, 2026: 5.36% APRSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Auto Loan Promotional Rate - 2022 & Newer
5.39%
48 months
View
▼
APR5.39%
Term48 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
No change since Sep 22, 2026 · 5.39% APR · checked 2 times
4.89%5.39%5.89%Sep 22, 2026: 5.39% APRSep 22, 2026Sep 28, 2026
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Used Vehicle Loan
5.49%
60 Month
View
▼
APR5.49%
Term60 Month
Last UpdatedSep 21, 2026
Details

2021 - 2023

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Auto (2024-2018) Loan
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Auto Loans - 48 Months
5.49%
48 Months*
View
▼
APR5.49%
Interest Rate5.49%
Term48 Months*
Last UpdatedSep 22, 2026
Details

Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Auto Loans - 60 Months
5.49%
60 Months*
View
▼
APR5.49%
Interest Rate5.49%
Term60 Months*
Last UpdatedSep 22, 2026
Details

Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Autos 2022-newer
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedSep 22, 2026
Details

Published APR range: 5.49% - 12.49%.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
USED AUTO (2020 - 2025) - 72 month
5.49%
72 month
View
▼
APR5.49%
Term72 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New & Used Vehicle Loan
5.49%
73 to 84 Months
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2021 and Newer; ***; min. $25,000

Rate History
1 change since Sep 14, 2026 · 5.69% → 5.49% ▼ 0.20 pts · high 5.69% / low 5.49%
4.99%5.59%6.19%Sep 14, 2026: 5.69% APRSep 26, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.49%▼ from 5.69%
  • Sep 14, 20265.69%first recorded
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
Older Vehicle Loan
5.49%
37-60 Months
View
▼
APR5.49%
Term37-60 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2020 and Older; ***

Rate History
1 change since Sep 14, 2026 · 5.69% → 5.49% ▼ 0.20 pts · high 5.69% / low 5.49%
4.99%5.59%6.19%Sep 14, 2026: 5.69% APRSep 26, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.49%▼ from 5.69%
  • Sep 14, 20265.69%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
2021 and newer Auto Loan
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.24% APRSep 26, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.49%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 18, 2026: 4.99% APRSep 26, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
  • Sep 26, 20265.49%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Auto Loans - Model Year 2022 & Older
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Auto Loans - Model Year 2022 & Older
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Auto Loans - Model Year 2023+
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Auto Loan Promotional Rate - 2021
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2021

Rate History
No change since Sep 22, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Sep 22, 2026: 5.49% APRSep 22, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Auto Loan Promotional Rate - 2022 & Newer
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
No change since Sep 22, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Sep 22, 2026: 5.49% APRSep 22, 2026Sep 28, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
New car (dealer) Loan
5.49%
60-month
View
▼
APR5.49%
Term60-month
Last UpdatedSep 27, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Vehicle Loans - 2018 - 2023
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedSep 22, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Vehicle Loans - 2024 or newer
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedSep 22, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Alexandria Schools Employees Credit Union
Institution Rating:
B-4.2 ★ Texas Ratio: 24.07%
Autos, SUVs, Pickup Trucks 2021 and Older
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Alexandria Schools Employees Credit Union
Institution Rating:
B-4.2 ★ Texas Ratio: 24.07%
Autos, SUVs, Pickup Trucks 2022 to New
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 22, 2026 · 5.50% APR
5.00%5.50%6.00%Sep 22, 2026: 5.50% APRSep 22, 2026Sep 28, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.04%
New Auto
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.04%
Used Auto
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Auto Loan
5.50%
48-Month
View
▼
APR5.50%
Term48-Month
Last UpdatedSep 22, 2026
Details

Model Year: 2017 or older

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicles 2023 & Newer Loan
5.50%
4 Years
View
▼
APR5.50%
Term4 Years
Last UpdatedSep 22, 2026
Details

As low as; ALL UNTITLED COLLATERAL WILL HAVE A 1% RATE INCREASE.

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
New Auto
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 4 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
Used Auto
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 4 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Auto Loans - Model Year 2023+
5.54%
84 Months
View
▼
APR5.54%
Term84 Months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.54% APR · checked 4 times
5.04%5.54%6.04%Sep 14, 2026: 5.54% APRSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2022 & Newer Auto Loan
5.54%
72 months
View
▼
APR5.54%
Term72 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
1 change since Sep 18, 2026 · 5.29% → 5.54% ▲ 0.25 pts · high 5.54% / low 5.29%
4.79%5.42%6.04%Sep 18, 2026: 5.29% APRSep 22, 2026: 5.54% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20265.54%▲ from 5.29%
  • Sep 18, 20265.29%first recorded
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Vehicle Loan
5.59%
up to 72 months
View
▼
APR5.59%
Termup to 72 months
Last UpdatedSep 22, 2026
Details

As low as; ZERO DOWN*

Rate History
No change since Sep 22, 2026 · 5.59% APR
5.09%5.59%6.09%Sep 22, 2026: 5.59% APRSep 22, 2026Sep 28, 2026
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Vehicle Loan
5.59%
up to 84 months
View
▼
APR5.59%
Termup to 84 months
Last UpdatedSep 22, 2026
Details

As low as; ZERO DOWN*

Rate History
No change since Sep 22, 2026 · 5.59% APR
5.09%5.59%6.09%Sep 22, 2026: 5.59% APRSep 22, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
5.62%
36 Months
View
▼
APR5.62%
Term36 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 6-10 years

Rate History
No change since Sep 21, 2026 · 5.62% APR
5.12%5.62%6.12%Sep 21, 2026: 5.62% APRSep 21, 2026Sep 28, 2026
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Auto Loan - NEW (2026/2025) less than 7,500 miles
5.64%
72 months
View
▼
APR5.64%
Term72 months
Last UpdatedSep 25, 2026
Details

Additional APR listed for this product: 6.14%. Save to the Max on Select Loans*; Max discount of 0.50%; Automatic Payroll Deduction - 0.25% discount; New Member - 0.25% discount; GAP or MRC - 0.25% discount; Applicants are subject to normal credit guidelines. No other loan discounts apply.; *"Save to the Max" discounts do not apply to Real Estate loans, nor Auto loans on model years 2017 and older.

Rate History
No change since Sep 14, 2026 · 5.64% APR · checked 3 times
5.14%5.64%6.14%Sep 14, 2026: 5.64% APRSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2021 - 2020 Auto Loan
5.64%
48 months
View
▼
APR5.64%
Term48 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2021 - 2020

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.64% ▲ 0.25 pts · high 5.64% / low 5.39%
4.89%5.52%6.14%Sep 18, 2026: 5.39% APRSep 22, 2026: 5.64% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20265.64%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Danfoss Employees Credit Union
Institution Rating:
D3.4 ★ Texas Ratio: 34.83%
New/Nearly New Vehicles Loan
5.65%
Up to 72 Months
View
▼
APR5.65%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details

** Current or previous year with less than 12,000

Rate History
No change since Sep 14, 2026 · 5.65% APR · checked 3 times
5.15%5.65%6.15%Sep 14, 2026: 5.65% APRSep 14, 2026Sep 28, 2026
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Used Vehicle Loan
5.69%
48 Month
View
▼
APR5.69%
Term48 Month
Last UpdatedSep 21, 2026
Details

2019 - 2020

Rate History
No change since Sep 14, 2026 · 5.69% APR · checked 3 times
5.19%5.69%6.19%Sep 14, 2026: 5.69% APRSep 14, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
5.69%
24 Months
View
▼
APR5.69%
Term24 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 6-10 years

Rate History
No change since Sep 21, 2026 · 5.69% APR
5.19%5.69%6.19%Sep 21, 2026: 5.69% APRSep 21, 2026Sep 28, 2026
Accentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan
5.69%
48 Months
View
▼
APR5.69%
Term48 Months
Last UpdatedSep 21, 2026
Details

Vehicle Age: 6-10 years

Rate History
No change since Sep 21, 2026 · 5.69% APR
5.19%5.69%6.19%Sep 21, 2026: 5.69% APRSep 21, 2026Sep 28, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
Used car (dealer) Loan
5.69%
60-month
View
▼
APR5.69%
Term60-month
Last UpdatedSep 27, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Sep 28, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Latvian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Auto Loans - 60 Months
5.74%
60 Months*
View
▼
APR5.74%
Interest Rate5.74%
Term60 Months*
Last UpdatedSep 22, 2026
Details

Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000

Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 2 times
5.24%5.74%6.24%Sep 18, 2026: 5.74% APRSep 18, 2026Sep 28, 2026
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Autos 2022-newer
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedSep 22, 2026
Details

Published APR range: 5.74% - 12.74%.

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Autos 2017-2021
5.74%
36 months
View
▼
APR5.74%
Term36 months
Last UpdatedSep 22, 2026
Details

Published APR range: 5.74% - 12.74%.

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
Riverview Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedSep 22, 2026
Details

Additional APR listed for this product: 5.99%. As Low As

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
NEW AUTO (2025- 2026) - 84 month
5.74%
84 month
View
▼
APR5.74%
Term84 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
5.74%
72 months
View
▼
APR5.74%
Term72 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.49% APRSep 26, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.74%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Auto Loans - Model Year 2022 & Older
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 4 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2016 - 2012 Auto Loan
5.74%
24 months
View
▼
APR5.74%
Term24 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2016 - 2012

Rate History
1 change since Sep 18, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 18, 2026: 5.49% APRSep 22, 2026: 5.74% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20265.74%▲ from 5.49%
  • Sep 18, 20265.49%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2019 - 2017 Auto Loan
5.74%
36 months
View
▼
APR5.74%
Term36 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2019 - 2017

Rate History
1 change since Sep 18, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 18, 2026: 5.49% APRSep 22, 2026: 5.74% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20265.74%▲ from 5.49%
  • Sep 18, 20265.49%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2021 - 2020 Auto Loan
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2021 - 2020

Rate History
1 change since Sep 18, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 18, 2026: 5.49% APRSep 22, 2026: 5.74% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20265.74%▲ from 5.49%
  • Sep 18, 20265.49%first recorded

St Paul New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
New Vehicle 2025 & Newer+ Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
New Vehicle 2025 & Newer Loan
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
New Vehicle 2025 & Newer Loan
5.20%
60 months
View
▼
APR5.20%
Term60 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.20% APR · checked 3 times
4.70%5.20%5.70%Sep 14, 2026: 5.20% APRSep 14, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
New Vehicle 2025 & Newer Loan
5.35%
72 months
View
▼
APR5.35%
Term72 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.35% APR · checked 3 times
4.85%5.35%5.85%Sep 14, 2026: 5.35% APRSep 14, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
New Vehicle 2025 & Newer Loan
5.70%
84 months
View
▼
APR5.70%
Term84 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.70% APR · checked 3 times
5.20%5.70%6.20%Sep 14, 2026: 5.70% APRSep 14, 2026Sep 28, 2026
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
2022 - 2026 New & Used Vehicles Loan
3.79%
36 months
View
▼
APR3.79%
Term36 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.79% APR · checked 4 times
3.29%3.79%4.29%Sep 14, 2026: 3.79% APRSep 14, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Auto (2025 & Newer) - Up to 36 Months
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 3 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Sep 28, 2026
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Auto Loan - 2025 & Newer
3.99%
36 months
View
▼
APR3.99%
Interest Rate3.99%
Term36 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 21, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 21, 2026: 3.99% APRSep 21, 2026Sep 28, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer
3.99%
36 Months
View
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 3 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer
4.18%
48 Months
View
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.18% APR · checked 3 times
3.68%4.18%4.68%Sep 18, 2026: 4.18% APRSep 18, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Auto (2025 & Newer) - Up to 48 Months
4.24%
Up to 48 Months
View
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2022 & Newer Auto Loan
4.24%
24 months
View
▼
APR4.24%
Term24 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
1 change since Sep 18, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99%
3.49%4.12%4.74%Sep 18, 2026: 3.99% APRSep 22, 2026: 4.24% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20264.24%▲ from 3.99%
  • Sep 18, 20263.99%first recorded
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicles 2023 & Newer Loan
4.25%
2 Years
View
▼
APR4.25%
Term2 Years
Last UpdatedSep 22, 2026
Details

As low as; ALL UNTITLED COLLATERAL WILL HAVE A 1% RATE INCREASE.

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Sep 28, 2026
SMW Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New Auto Loans
4.29%
2023+ model years
View
▼
APR4.29%
Term2023+ model years
Last UpdatedSep 27, 2026
Details

No payments for 60 days. Other terms and rates available.

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Sep 28, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer
4.39%
60 Months
View
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.39% APR · checked 3 times
3.89%4.39%4.89%Sep 18, 2026: 4.39% APRSep 18, 2026Sep 28, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New & Used Auto Loans
4.41%
36 Months
View
▼
APR4.41%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As*

Rate History
No change since Sep 18, 2026 · 4.41% APR · checked 2 times
3.91%4.41%4.91%Sep 18, 2026: 4.41% APRSep 18, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Auto (2025 & Newer) - Up to 84 Months
4.49%
Up to 84 Months
View
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Autos 2022-newer
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedSep 22, 2026
Details

Published APR range: 4.49% - 11.49%.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New & Used Vehicle Loan
4.49%
Up to 36 Months
View
▼
APR4.49%
TermUp to 36 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2021 and Newer; ***

Rate History
1 change since Sep 14, 2026 · 4.69% → 4.49% ▼ 0.20 pts · high 4.69% / low 4.49%
3.99%4.59%5.19%Sep 14, 2026: 4.69% APRSep 26, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20264.49%▼ from 4.69%
  • Sep 14, 20264.69%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Auto Loan Promotional Rate - 2022 & Newer
4.49%
24 months
View
▼
APR4.49%
Term24 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Sep 28, 2026
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Vehicle Loans - 2024 or newer
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedSep 22, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Sep 28, 2026
Alexandria Schools Employees Credit Union
Institution Rating:
B-4.2 ★ Texas Ratio: 24.07%
Autos, SUVs, Pickup Trucks 2022 to New
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.50% APR
4.00%4.50%5.00%Sep 22, 2026: 4.50% APRSep 22, 2026Sep 28, 2026
Alexandria Schools Employees Credit Union
Institution Rating:
B-4.2 ★ Texas Ratio: 24.07%
Autos, SUVs, Pickup Trucks 2022 to New
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.50% APR
4.00%4.50%5.00%Sep 22, 2026: 4.50% APRSep 22, 2026Sep 28, 2026
Royal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.17%
Vehicle Loan (2023 & Newer Vehicles)
4.54%
24 Month
View
▼
APR4.54%
Term24 Month
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 3 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Sep 28, 2026
Danfoss Employees Credit Union
Institution Rating:
D3.4 ★ Texas Ratio: 34.83%
New/Nearly New Vehicles Loan
4.60%
Up to 36 Months
View
▼
APR4.60%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details

** Current or previous year with less than 12,000

Rate History
No change since Sep 14, 2026 · 4.60% APR · checked 3 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APRSep 14, 2026Sep 28, 2026
First Pace Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto
4.74%
84 month
View
▼
APR4.74%
Term84 month
Last UpdatedSep 22, 2026
Details

As Low As; new up to 100% financing

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
NEW AUTO (2025- 2026) - 36 month
4.74%
36 month
View
▼
APR4.74%
Term36 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
NEW AUTO (2025- 2026) - 48 month
4.74%
48 month
View
▼
APR4.74%
Term48 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2022 & Newer Auto Loan
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 18, 2026: 4.49% APRSep 22, 2026: 4.74% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Alexandria Schools Employees Credit Union
Institution Rating:
B-4.2 ★ Texas Ratio: 24.07%
Autos, SUVs, Pickup Trucks 2022 to New
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.75% APR
4.25%4.75%5.25%Sep 22, 2026: 4.75% APRSep 22, 2026Sep 28, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.04%
New Auto
4.75%
24 months
View
▼
APR4.75%
Term24 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Sep 28, 2026
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
2017-2021 New & Used Vehicles Loan
4.79%
36 months
View
▼
APR4.79%
Term36 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 14, 2026: 4.79% APRSep 14, 2026Sep 28, 2026
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
2022 - 2026 New & Used Vehicles Loan
4.79%
48-60 months
View
▼
APR4.79%
Term48-60 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 14, 2026: 4.79% APRSep 14, 2026Sep 28, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer
4.87%
72 Months
View
▼
APR4.87%
Interest Rate4.74%
Term72 Months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.87% APR · checked 3 times
4.37%4.87%5.37%Sep 18, 2026: 4.87% APRSep 18, 2026Sep 28, 2026
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Auto Loan - NEW (2026/2025) less than 7,500 miles
4.89%
60 months
View
▼
APR4.89%
Term60 months
Last UpdatedSep 25, 2026
Details

Additional APR listed for this product: 5.39%. Save to the Max on Select Loans*; Max discount of 0.50%; Automatic Payroll Deduction - 0.25% discount; New Member - 0.25% discount; GAP or MRC - 0.25% discount; Applicants are subject to normal credit guidelines. No other loan discounts apply.; *"Save to the Max" discounts do not apply to Real Estate loans, nor Auto loans on model years 2017 and older.

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 3 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Sep 28, 2026
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Vehicle 2023-Newer Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Autos 2022-newer
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedSep 22, 2026
Details

Published APR range: 4.99% - 11.99%.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Auto Loan
4.99%
5 year
View
▼
APR4.99%
Term5 year
Last UpdatedSep 25, 2026
Details

2024 and newer

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
NEW AUTO (2025- 2026) - 60 month
4.99%
60 month
View
▼
APR4.99%
Term60 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New & Used Vehicle Loan
4.99%
37-60 Months
View
▼
APR4.99%
Term37-60 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2021 and Newer; ***

Rate History
1 change since Sep 14, 2026 · 5.19% → 4.99% ▼ 0.20 pts · high 5.19% / low 4.99%
4.49%5.09%5.69%Sep 14, 2026: 5.19% APRSep 26, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20264.99%▼ from 5.19%
  • Sep 14, 20265.19%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
2021 and newer Auto Loan
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 14, 2026: 4.74% APRSep 26, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20264.99%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2022 & Newer Auto Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 14, 2026: 4.74% APRSep 18, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.99%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Auto Loan Promotional Rate - 2022 & Newer
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Sep 28, 2026
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Vehicle Loans - 2024 or newer
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedSep 22, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Alexandria Schools Employees Credit Union
Institution Rating:
B-4.2 ★ Texas Ratio: 24.07%
Autos, SUVs, Pickup Trucks 2022 to New
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 22, 2026 · 5.00% APR
4.50%5.00%5.50%Sep 22, 2026: 5.00% APRSep 22, 2026Sep 28, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.04%
New Auto
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2022 & Newer Auto Loan
5.14%
48 months
View
▼
APR5.14%
Term48 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
1 change since Sep 18, 2026 · 4.89% → 5.14% ▲ 0.25 pts · high 5.14% / low 4.89%
4.39%5.02%5.64%Sep 18, 2026: 4.89% APRSep 22, 2026: 5.14% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20265.14%▲ from 4.89%
  • Sep 18, 20264.89%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Auto Loan
5.19%
6 year
View
▼
APR5.19%
Term6 year
Last UpdatedSep 25, 2026
Details

2024 and newer

Rate History
No change since Sep 14, 2026 · 5.19% APR · checked 5 times
4.69%5.19%5.69%Sep 14, 2026: 5.19% APRSep 14, 2026Sep 28, 2026
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Autos 2022-newer
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedSep 22, 2026
Details

Published APR range: 5.24% - 12.24%.

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
NEW AUTO (2025- 2026) - 72 month
5.24%
72 month
View
▼
APR5.24%
Term72 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New & Used Vehicle Loan
5.24%
61-72 Months
View
▼
APR5.24%
Term61-72 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2021 and Newer; ***

Rate History
1 change since Sep 14, 2026 · 5.44% → 5.24% ▼ 0.20 pts · high 5.44% / low 5.24%
4.74%5.34%5.94%Sep 14, 2026: 5.44% APRSep 26, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.24%▼ from 5.44%
  • Sep 14, 20265.44%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
2021 and newer Auto Loan
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APRSep 26, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
  • Sep 26, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
2021 and newer Auto Loan
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APRSep 26, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
  • Sep 26, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APRSep 26, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
  • Sep 26, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APRSep 26, 2026: 5.24% APRSep 18, 2026Sep 28, 2026
  • Sep 26, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2022 & Newer Auto Loan
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
2 changes since Sep 14, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74%
4.24%4.99%5.74%Sep 14, 2026: 4.74% APRSep 18, 2026: 4.99% APRSep 22, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
  • Sep 22, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicles 2023 & Newer Loan
5.25%
3 Years
View
▼
APR5.25%
Term3 Years
Last UpdatedSep 22, 2026
Details

As low as; ALL UNTITLED COLLATERAL WILL HAVE A 1% RATE INCREASE.

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 3 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
New Auto
5.25%
36 months
View
▼
APR5.25%
Term36 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
0-39 months
View
▼
APR5.25%
Term0-39 months
Last UpdatedSep 25, 2026
Details

Models 2026 New or Used; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
40-51 months
View
▼
APR5.25%
Term40-51 months
Last UpdatedSep 25, 2026
Details

Models 2026 New or Used; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
52-63 months
View
▼
APR5.25%
Term52-63 months
Last UpdatedSep 25, 2026
Details

Models 2026 New or Used; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
64-75 months
View
▼
APR5.25%
Term64-75 months
Last UpdatedSep 25, 2026
Details

Models 2026 New or Used; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
75 months
View
▼
APR5.25%
Term75 months
Last UpdatedSep 25, 2026
Details

Model 2024 - 2025; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
66 months
View
▼
APR5.25%
Term66 months
Last UpdatedSep 25, 2026
Details

Model 2023; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
54 months
View
▼
APR5.25%
Term54 months
Last UpdatedSep 25, 2026
Details

Model 2022; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
51 months
View
▼
APR5.25%
Term51 months
Last UpdatedSep 25, 2026
Details

Model 2021; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedSep 25, 2026
Details

Model 2019 - 2020; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer
5.35%
84 Months
View
▼
APR5.35%
Interest Rate5.24%
Term84 Months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 5.35% APR · checked 3 times
4.85%5.35%5.85%Sep 18, 2026: 5.35% APRSep 18, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Auto Loan Promotional Rate - 2022 & Newer
5.39%
48 months
View
▼
APR5.39%
Term48 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
No change since Sep 22, 2026 · 5.39% APR · checked 2 times
4.89%5.39%5.89%Sep 22, 2026: 5.39% APRSep 22, 2026Sep 28, 2026
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Autos 2022-newer
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedSep 22, 2026
Details

Published APR range: 5.49% - 12.49%.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New & Used Vehicle Loan
5.49%
73 to 84 Months
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2021 and Newer; ***; min. $25,000

Rate History
1 change since Sep 14, 2026 · 5.69% → 5.49% ▼ 0.20 pts · high 5.69% / low 5.49%
4.99%5.59%6.19%Sep 14, 2026: 5.69% APRSep 26, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.49%▼ from 5.69%
  • Sep 14, 20265.69%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
2021 and newer Auto Loan
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.24% APRSep 26, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.49%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 18, 2026: 4.99% APRSep 26, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
  • Sep 26, 20265.49%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Auto Loan Promotional Rate - 2022 & Newer
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
No change since Sep 22, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Sep 22, 2026: 5.49% APRSep 22, 2026Sep 28, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
New car (dealer) Loan
5.49%
60-month
View
▼
APR5.49%
Term60-month
Last UpdatedSep 27, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
Vehicle Loans - 2024 or newer
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedSep 22, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Alexandria Schools Employees Credit Union
Institution Rating:
B-4.2 ★ Texas Ratio: 24.07%
Autos, SUVs, Pickup Trucks 2022 to New
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 22, 2026 · 5.50% APR
5.00%5.50%6.00%Sep 22, 2026: 5.50% APRSep 22, 2026Sep 28, 2026
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.04%
New Auto
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicles 2023 & Newer Loan
5.50%
4 Years
View
▼
APR5.50%
Term4 Years
Last UpdatedSep 22, 2026
Details

As low as; ALL UNTITLED COLLATERAL WILL HAVE A 1% RATE INCREASE.

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
New Auto
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 4 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
2022 & Newer Auto Loan
5.54%
72 months
View
▼
APR5.54%
Term72 months
Last UpdatedSep 27, 2026
Details

As Low As; Model Year: 2022 & Newer

Rate History
1 change since Sep 18, 2026 · 5.29% → 5.54% ▲ 0.25 pts · high 5.54% / low 5.29%
4.79%5.42%6.04%Sep 18, 2026: 5.29% APRSep 22, 2026: 5.54% APRSep 18, 2026Sep 28, 2026
  • Sep 22, 20265.54%▲ from 5.29%
  • Sep 18, 20265.29%first recorded
Farm Credit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Auto Loan - NEW (2026/2025) less than 7,500 miles
5.64%
72 months
View
▼
APR5.64%
Term72 months
Last UpdatedSep 25, 2026
Details

Additional APR listed for this product: 6.14%. Save to the Max on Select Loans*; Max discount of 0.50%; Automatic Payroll Deduction - 0.25% discount; New Member - 0.25% discount; GAP or MRC - 0.25% discount; Applicants are subject to normal credit guidelines. No other loan discounts apply.; *"Save to the Max" discounts do not apply to Real Estate loans, nor Auto loans on model years 2017 and older.

Rate History
No change since Sep 14, 2026 · 5.64% APR · checked 3 times
5.14%5.64%6.14%Sep 14, 2026: 5.64% APRSep 14, 2026Sep 28, 2026
Danfoss Employees Credit Union
Institution Rating:
D3.4 ★ Texas Ratio: 34.83%
New/Nearly New Vehicles Loan
5.65%
Up to 72 Months
View
▼
APR5.65%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details

** Current or previous year with less than 12,000

Rate History
No change since Sep 14, 2026 · 5.65% APR · checked 3 times
5.15%5.65%6.15%Sep 14, 2026: 5.65% APRSep 14, 2026Sep 28, 2026
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New Autos 2022-newer
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedSep 22, 2026
Details

Published APR range: 5.74% - 12.74%.

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
NEW AUTO (2025- 2026) - 84 month
5.74%
84 month
View
▼
APR5.74%
Term84 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
Expedition Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Recreation Vehicles, Boats, & Motorcycles - 2021 and newer Loan
5.74%
72 months
View
▼
APR5.74%
Term72 months
Last UpdatedSep 26, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.49% APRSep 26, 2026: 5.74% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.74%▲ from 5.49%
  • Sep 14, 20265.49%first recorded

St Paul Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedSep 27, 2026
Details

Model Year: 2014-2025

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
5.30%
48 months
View
▼
APR5.30%
Term48 months
Last UpdatedSep 27, 2026
Details

Model Year: 2022-2025

Rate History
No change since Sep 22, 2026 · 5.30% APR · checked 2 times
4.80%5.30%5.80%Sep 22, 2026: 5.30% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedSep 27, 2026
Details

Model Year: 2022-2025

Rate History
No change since Sep 22, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 22, 2026: 5.50% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
5.70%
72 months
View
▼
APR5.70%
Term72 months
Last UpdatedSep 27, 2026
Details

Model Year: 2022-2025

Rate History
No change since Sep 22, 2026 · 5.70% APR · checked 2 times
5.20%5.70%6.20%Sep 22, 2026: 5.70% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
6.05%
84 months
View
▼
APR6.05%
Term84 months
Last UpdatedSep 27, 2026
Details

Model Year: 2022-2025

Rate History
No change since Sep 22, 2026 · 6.05% APR · checked 2 times
5.55%6.05%6.55%Sep 22, 2026: 6.05% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
6.30%
48 months
View
▼
APR6.30%
Term48 months
Last UpdatedSep 27, 2026
Details

Model Year: 2014-2021

Rate History
No change since Sep 22, 2026 · 6.30% APR · checked 2 times
5.80%6.30%6.80%Sep 22, 2026: 6.30% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
6.80%
60 months
View
▼
APR6.80%
Term60 months
Last UpdatedSep 27, 2026
Details

Model Year: 2014-2021

Rate History
No change since Sep 22, 2026 · 6.80% APR · checked 2 times
6.30%6.80%7.30%Sep 22, 2026: 6.80% APRSep 22, 2026Sep 28, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
111 Empire Drive, St Paul, MN, 55103
Used Vehicle Loan
6.95%
72 months
View
▼
APR6.95%
Term72 months
Last UpdatedSep 27, 2026
Details

Model Year: 2014-2021

Rate History
No change since Sep 22, 2026 · 6.95% APR · checked 2 times
6.45%6.95%7.45%Sep 22, 2026: 6.95% APRSep 22, 2026Sep 28, 2026
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
2022 - 2026 New & Used Vehicles Loan
3.79%
36 months
View
▼
APR3.79%
Term36 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.79% APR · checked 4 times
3.29%3.79%4.29%Sep 14, 2026: 3.79% APRSep 14, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Auto (2024-2018) Loan
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Auto (2024-2018) Loan
4.24%
Up to 48 Months
View
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 2 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Sep 28, 2026
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
New & Used Auto Loans
4.41%
36 Months
View
▼
APR4.41%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As*

Rate History
No change since Sep 18, 2026 · 4.41% APR · checked 2 times
3.91%4.41%4.91%Sep 18, 2026: 4.41% APRSep 18, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Auto (2024-2018) Loan
4.49%
Up to 60 Months
View
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Sep 28, 2026
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New & Used Vehicle Loan
4.49%
Up to 36 Months
View
▼
APR4.49%
TermUp to 36 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2021 and Newer; ***

Rate History
1 change since Sep 14, 2026 · 4.69% → 4.49% ▼ 0.20 pts · high 4.69% / low 4.49%
3.99%4.59%5.19%Sep 14, 2026: 4.69% APRSep 26, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20264.49%▼ from 4.69%
  • Sep 14, 20264.69%first recorded
First Pace Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Used Auto
4.74%
72 month
View
▼
APR4.74%
Term72 month
Last UpdatedSep 22, 2026
Details

As Low As; used up to 90% financing

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
USED AUTO (2020 - 2025) - 36 month
4.74%
36 month
View
▼
APR4.74%
Term36 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
USED AUTO (2020 - 2025) - 48 month
4.74%
48 month
View
▼
APR4.74%
Term48 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
2017-2021 New & Used Vehicles Loan
4.79%
36 months
View
▼
APR4.79%
Term36 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 14, 2026: 4.79% APRSep 14, 2026Sep 28, 2026
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
2022 - 2026 New & Used Vehicles Loan
4.79%
48-60 months
View
▼
APR4.79%
Term48-60 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 14, 2026: 4.79% APRSep 14, 2026Sep 28, 2026
SMW Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
Used Auto Loans
4.79%
201 months
View
▼
APR4.79%
Term201 months
Last UpdatedSep 27, 2026
Details

Term: 2018 - 2022 model years; Other terms and rates available.

Rate History
No change since Sep 18, 2026 · 4.79% APR · checked 3 times
4.29%4.79%5.29%Sep 18, 2026: 4.79% APRSep 18, 2026Sep 28, 2026
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Used Vehicle Loan
4.99%
60 - 72 Month
View
▼
APR4.99%
Term60 - 72 Month
Last UpdatedSep 21, 2026
Details

2024 - 2025

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Auto (2024-2018) Loan
4.99%
Up to 72 Months
View
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New & Used Vehicle Loan
4.99%
37-60 Months
View
▼
APR4.99%
Term37-60 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2021 and Newer; ***

Rate History
1 change since Sep 14, 2026 · 5.19% → 4.99% ▼ 0.20 pts · high 5.19% / low 4.99%
4.49%5.09%5.69%Sep 14, 2026: 5.19% APRSep 26, 2026: 4.99% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20264.99%▼ from 5.19%
  • Sep 14, 20265.19%first recorded
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Used Auto Loan
5.24%
5 year
View
▼
APR5.24%
Term5 year
Last UpdatedSep 25, 2026
Details

2020 - 2023 model years.

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
USED AUTO (2020 - 2025) - 60 month
5.24%
60 month
View
▼
APR5.24%
Term60 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New & Used Vehicle Loan
5.24%
61-72 Months
View
▼
APR5.24%
Term61-72 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2021 and Newer; ***

Rate History
1 change since Sep 14, 2026 · 5.44% → 5.24% ▼ 0.20 pts · high 5.44% / low 5.24%
4.74%5.34%5.94%Sep 14, 2026: 5.44% APRSep 26, 2026: 5.24% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.24%▼ from 5.44%
  • Sep 14, 20265.44%first recorded
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle 2016-2022 Loan
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedSep 22, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 3 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
Used Auto
5.25%
24 months
View
▼
APR5.25%
Term24 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
0-39 months
View
▼
APR5.25%
Term0-39 months
Last UpdatedSep 25, 2026
Details

Models 2026 New or Used; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
40-51 months
View
▼
APR5.25%
Term40-51 months
Last UpdatedSep 25, 2026
Details

Models 2026 New or Used; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
52-63 months
View
▼
APR5.25%
Term52-63 months
Last UpdatedSep 25, 2026
Details

Models 2026 New or Used; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
64-75 months
View
▼
APR5.25%
Term64-75 months
Last UpdatedSep 25, 2026
Details

Models 2026 New or Used; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
75 months
View
▼
APR5.25%
Term75 months
Last UpdatedSep 25, 2026
Details

Model 2024 - 2025; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
66 months
View
▼
APR5.25%
Term66 months
Last UpdatedSep 25, 2026
Details

Model 2023; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
54 months
View
▼
APR5.25%
Term54 months
Last UpdatedSep 25, 2026
Details

Model 2022; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
51 months
View
▼
APR5.25%
Term51 months
Last UpdatedSep 25, 2026
Details

Model 2021; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedSep 25, 2026
Details

Model 2019 - 2020; APR* as low as: 5.25%

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Sep 28, 2026
Danfoss Employees Credit Union
Institution Rating:
D3.4 ★ Texas Ratio: 34.83%
Used Vehicles Loan
5.36%
Up to 36 Months
View
▼
APR5.36%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details

** Less than 6 years old

Rate History
No change since Sep 14, 2026 · 5.36% APR · checked 3 times
4.86%5.36%5.86%Sep 14, 2026: 5.36% APRSep 14, 2026Sep 28, 2026
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Used Vehicle Loan
5.49%
60 Month
View
▼
APR5.49%
Term60 Month
Last UpdatedSep 21, 2026
Details

2021 - 2023

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Auto (2024-2018) Loan
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
USED AUTO (2020 - 2025) - 72 month
5.49%
72 month
View
▼
APR5.49%
Term72 month
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Heartland Credit Union Inver Grove Heights, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
New & Used Vehicle Loan
5.49%
73 to 84 Months
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedSep 26, 2026
Details

Model Year: 2021 and Newer; ***; min. $25,000

Rate History
1 change since Sep 14, 2026 · 5.69% → 5.49% ▼ 0.20 pts · high 5.69% / low 5.49%
4.99%5.59%6.19%Sep 14, 2026: 5.69% APRSep 26, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
  • Sep 26, 20265.49%▼ from 5.69%
  • Sep 14, 20265.69%first recorded
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.04%
Used Auto
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Embarrass Vermillion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
Used Auto
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 4 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Used Vehicle Loan
5.69%
48 Month
View
▼
APR5.69%
Term48 Month
Last UpdatedSep 21, 2026
Details

2019 - 2020

Rate History
No change since Sep 14, 2026 · 5.69% APR · checked 3 times
5.19%5.69%6.19%Sep 14, 2026: 5.69% APRSep 14, 2026Sep 28, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
Used car (dealer) Loan
5.69%
60-month
View
▼
APR5.69%
Term60-month
Last UpdatedSep 27, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Sep 28, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Autos 2017-2021
5.74%
36 months
View
▼
APR5.74%
Term36 months
Last UpdatedSep 22, 2026
Details

Published APR range: 5.74% - 12.74%.

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Sep 28, 2026

St Paul, MN Auto Loan Rate Trends

Compare local St Paul, MN auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Minnesota Auto Trends
New Auto Loan MN Avg
5.288%
▼ 0.218 vs 7 days ago

Minnesota new auto rates fell 0.218 points over the past 7 days to 5.288% APR.

Used Auto Loan MN Avg
5.833%
▲ 0.003 vs 7 days ago

Minnesota used auto rates rose 0.003 points over the past 7 days to 5.833% APR.

As of Sep 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

St Paul, MN Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Minnesota figures.

Current New Auto Avg
5.29%
APR, as of Sep 28, 2026
6-Month Forecast
5.37%
Fed hold assumed
12-Month Forecast
5.44%
Range: 5.09% to 5.64%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Minnesota APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.29% APR
MN average		 Used Auto @ 5.83% APR
MN average		 Monthly Difference
$15,000 $285.05/mo $288.83/mo $3.78/mo
$25,000 $475.08/mo $481.39/mo $6.30/mo
$35,000 $665.12/mo $673.94/mo $8.82/mo
$45,000 $855.15/mo $866.49/mo $11.34/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

How to Get the Best Auto Loan Rate in St Paul, Minnesota

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving St Paul, Minnesota locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Minnesota. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Minnesota Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)

$50,838
Median Individual Earnings
National avg: $47,340
4.1%
Unemployment Rate
National avg: 4.8%
9.3%
Poverty Rate
National avg: 11.1%
$570/mo
Payment on a $30K / 60-mo Loan
At MN new-auto avg 5.29% APR

A $570 monthly car payment works out to roughly 13.5% of the median individual income in Minnesota. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in St Paul, Minnesota, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1–3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in St Paul, Minnesota. We’ve prefilled the APR with today’s MN new-auto average, or click any current rate on the right to apply it instantly.

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Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our St Paul, Minnesota auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for St Paul, Minnesota directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in St Paul, Minnesota. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MN.

Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.

Frequently Asked Questions about Auto Loans in St Paul, Minnesota

How does my credit score affect my car loan rate in Minnesota?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in St Paul, Minnesota with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Minnesota *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in St Paul, Minnesota typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

Should I get preapproved for an auto loan before visiting a dealer in St Paul, Minnesota?

Yes. A preapproval from a bank or credit union serving St Paul, Minnesota gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving St Paul, Minnesota can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

What are the best Auto Loan rates in St Paul, Minnesota?

Based on our current data, some of the lowest auto loan rates available in St Paul, Minnesota include:
  • Blaze Credit Union: 4.49% (New Vehicle 2025 & Newer+ Loan)
  • Baxter Credit Union: 3.64% (Auto Loan)
  • Carpenters Federal Credit Union: 3.79% (2022 - 2026 New & Used Vehicles Loan)
  • Associated Healthcare Credit Union: 3.99% (New Auto (2025 & Newer) - Up to 36 Months)
  • Hometown Federal Credit Union: 3.99% (Auto Loan - 2025 & Newer)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in St Paul, Minnesota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 28, 2026

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