Credit union · NCUA insured
Accentra Credit Union Auto Loan Rates
Accentra Credit Union auto loans start at 5.06% APR for a new vehicle and 5.06% for a used one. Rates checked October 16, 2026.
How Accentra Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochester, MN, where Accentra Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Accentra Credit Union
5.06%APR
- Terms
- up to 72 months
Auto Loans
Lowest rate
Mayo Employees Federal Credit Union
4.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Think Bank
4.99%APR
- Terms
- up to 60 months
Accentra Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew5.06%
- Used vehicleUsed5.06%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Accentra Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Finance up to 100% of the high NADA Book value or 100% of the purchase price, whichever is less. Finance new or used cars, trucks, and vans, or refinance existing auto loans. Pre-approval valid for up to 60 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 5.11% | Vehicle age 0-2 years. On approved credit. |
| up to 12 months | 5.36% | Vehicle age 3-5 years. On approved credit. |
| up to 12 months | 5.86% | Vehicle age 6-10 years. On approved credit. |
| up to 12 months | 6.62% | Vehicle age 10+ years. On approved credit. |
| up to 24 months | 4.94% | Vehicle age 0-2 years. On approved credit. |
| up to 24 months | 5.19% | Vehicle age 3-5 years. On approved credit. |
| up to 24 months | 5.69% | Vehicle age 6-10 years. On approved credit. |
| up to 24 months | 6.44% | Vehicle age 10+ years. On approved credit. |
| up to 36 months | 4.87% | Vehicle age 0-2 years. On approved credit. |
| up to 36 months | 5.12% | Vehicle age 3-5 years. On approved credit. |
| up to 36 months | 5.62% | Vehicle age 6-10 years. On approved credit. |
| up to 36 months | 6.37% | Vehicle age 10+ years. On approved credit. |
| up to 48 months | 4.94% | Vehicle age 0-2 years. On approved credit. |
| up to 48 months | 5.19% | Vehicle age 3-5 years. On approved credit. |
| up to 48 months | 5.69% | Vehicle age 6-10 years. On approved credit. |
| up to 48 months | 6.44% | Vehicle age 10+ years. On approved credit. |
| up to 60 months | 5.07% | Vehicle age 0-2 years. On approved credit. |
| up to 60 months | 5.32% | Vehicle age 3-5 years. On approved credit. |
| up to 60 months | 5.82% | Vehicle age 6-10 years. On approved credit. |
| up to 60 months | 6.57% | Vehicle age 10+ years. On approved credit. |
| up to 72 months | 5.06% | Vehicle age 0-2 years. On approved credit. |
| up to 72 months | 5.31% | Vehicle age 3-5 years. On approved credit. |
| up to 72 months | 5.81% | Vehicle age 6-10 years. On approved credit. |
| up to 72 months | 6.56% | Vehicle age 10+ years. On approved credit. |
| up to 84 months | 5.20% | Vehicle age 0-2 years. On approved credit. |
Sources (2)
All captured Oct 7, 2026
Who can join Accentra Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Dodge, Fillmore, Freeborn, Houston, Mower, Olmsted, Steele, or Winona County in Minnesota.
Family and household
- Relatives of current members by blood, marriage, or adoption are eligible for membership regardless of where they live.
Cost to join
- Membership is established by opening a Share Savings account.
Membership information collected October 4, 2026.