Credit union · NCUA insured
Associated Healthcare Credit Union Auto Loan Rates
Top CarrotAssociated Healthcare Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Associated Healthcare Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Associated Healthcare Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Associated Healthcare Credit Union
4.74%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
New Auto (2025 & Newer)
Lowest rate
Magnifi Financial
3.99%APR
- Terms
- —
- Discount
- Included in the rate
2nd-lowest rate
St. Paul Federal Credit Union
4.29%APR
- Terms
- up to 60 months
- Discount
- None included
Associated Healthcare Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Associated Healthcare 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.
New Auto (2025 & Newer)
Rates vary based on collateral, credit worthiness, and term. Rates reflect a 0.50% rate decrease based on the Relationship-Based Discount Program. Financing up to 125% (including taxes and license) available for qualified buyers with no loan processing fees. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Payment is $29.64 per $1,000 borrowed. |
| up to 48 months | 4.49% | Payment is $22.80 per $1,000 borrowed. |
| up to 84 months | 4.74% | Payment is $14.02 per $1,000 borrowed. |
Sources (3)
All captured Oct 5, 2026
Older Used Auto (2017-)
Rates vary based on collateral, credit worthiness, and term. Rates reflect a 0.50% rate decrease based on the Relationship-Based Discount Program. Financing up to 125% (including taxes and license) available for qualified buyers with no loan processing fees. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.24% | Payment is $30.54 per $1,000 borrowed. |
| up to 48 months | 6.49% | Payment is $23.72 per $1,000 borrowed. |
| up to 60 months | 6.74% | Payment is $19.68 per $1,000 borrowed. |
Sources (3)
All captured Oct 5, 2026
Used Auto (2024-2018)
Rates vary based on collateral, credit worthiness, and term. Rates reflect a 0.50% rate decrease based on the Relationship-Based Discount Program. Financing up to 125% (including taxes and license) available for qualified buyers with no loan processing fees. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Payment is $29.64 per $1,000 borrowed. |
| up to 48 months | 4.49% | Payment is $22.80 per $1,000 borrowed. |
| up to 60 months | 4.74% | Payment is $18.76 per $1,000 borrowed. |
| up to 72 months | 5.24% | Payment is $16.22 per $1,000 borrowed. |
| up to 84 months | 5.74% | Payment is $14.49 per $1,000 borrowed. |
Sources (3)
All captured Oct 5, 2026
Who can join Associated Healthcare Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Healthcare employees, professionals, independent contractors, students in medical/healthcare fields, and self-employed healthcare workers in specified Minnesota counties (and their families) are eligible to join.
- Employees of Select Employer Groups (Allina Health, Children's Hospitals and Clinics of Minnesota, Medica, Blue Cross Blue Shield, HealthEast, or Associated Healthcare Credit Union) and their eligible family members are eligible to join.
Military, government and schools
- Students, employees, faculty, staff, and alumni (and their families) who attended a college or university in specified Minnesota counties are eligible to join.
Family and household
- Family and household members (spouses, blood or adopted relatives, and immediate family and household members) of existing members are eligible to join.
Membership information collected October 4, 2026.