Credit union · NCUA insured
Building Trades Credit Union Auto Loan Rates
Building Trades Credit Union auto loans start at 5.99% APR for a new vehicle and 6.24% for a used one. Rates checked October 16, 2026.
How Building Trades Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Building Trades Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Building Trades Credit Union
5.99%APR
- Terms
- —
- Discount
- None included
New Vehicle
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
Building Trades Credit Union auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Building Trades 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 Motorcycle
Available for new motorcycle purchases. Membership eligibility requirements apply to union members/employees and their immediate family/household. Up to 84 months financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.84% | Rates as low as 6.84% APR for 84 months. Great rates available for new motorcycles. |
Sources (2)
All captured Oct 16, 2026
New Vehicle
Available for new car or truck purchases. Membership eligibility requirements apply to union members/employees and their immediate family/household. Up to 110% financing and terms up to 84 months available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.24% | Rate as low as 4.24% APR for 48 months. Disclosed rate is based on credit scores of 740 and higher and includes a 0.25% discount for automatic payments from a BTCU checking account. Subject to credit approval. |
| — | 5.99% | Refinance offer rate as low as 5.99% APR. Disclosed rate based on credit score 740 and higher. Auto loans currently financed through BTCU cannot be refinanced with this offer. Optional 0.25% discount for automatic payments and no payments for 90 days available on approved credit. |
Sources (4)
- buildingtradescu.com/are-you-eligible
- buildingtradescu.com/cubase-rates
- buildingtradescu.com/auto-loans
- buildingtradescu.com/auto-loan-special
All captured Oct 16, 2026
Used Motorcycle
Available for used motorcycle purchases. Membership eligibility requirements apply to union members/employees and their immediate family/household. Up to 48 months financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.04% | Rates as low as 7.04% APR for 48 months. Great rates available for used motorcycles. |
Sources (2)
All captured Oct 16, 2026
Used Vehicle
Available for used car or truck purchases. Membership eligibility requirements apply to union members/employees and their immediate family/household. Up to 110% financing and terms up to 84 months available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.24% | Rate as low as 4.24% APR for 48 months. Disclosed rate is based on credit scores of 740 and higher and includes a 0.25% discount for automatic payments from a BTCU checking account. Subject to credit approval. |
| — | 6.24% | Refinance offer rate as low as 6.24% APR. Disclosed rate based on credit score 740 and higher. Auto loans currently financed through BTCU cannot be refinanced with this offer. Optional 0.25% discount for automatic payments and no payments for 90 days available on approved credit. |
Sources (4)
- buildingtradescu.com/are-you-eligible
- buildingtradescu.com/cubase-rates
- buildingtradescu.com/auto-loans
- buildingtradescu.com/auto-loan-special
All captured Oct 16, 2026
Who can join Building Trades Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- A person who retired while in the field of membership remains eligible for membership.
- Membership is open to members or employees of eligible unions or affiliated groups.
Family and household
- Membership is open to immediate family members and household members of eligible persons.
- Membership is open to the spouse of a person who died while eligible for membership.
Cost to join
- A Labor Saver savings account is required for membership.
Membership information collected October 4, 2026.