Credit union · NCUA insured
Carpenters Credit Union Auto Loan Rates
Carpenters Credit Union auto loans start at 4.79% APR for a new vehicle and 4.79% for a used one. Rates checked October 16, 2026.
How Carpenters Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Carpenters Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Carpenters Credit Union
4.79%APR
- Terms
- 48–60 months
- Discount
- None included
2022 - 2026 New & Used Vehicles
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
Carpenters Credit Union auto loan score
86
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.79%
- Used vehicleUsed4.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Carpenters 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.
2013-2016 New & Used Vehicles
GAP Insurance purchased through the credit union is required. Rates and terms based on approved credit, FICO score, and loan type. 0.25% discount available with Auto Pay from Carpenters CU or another financial institution checking account.
| Terms | APR | Conditions |
|---|---|---|
| 36–48 months | 6.79% | GAP Insurance purchased through the credit union is required. Rates and terms based on approved credit, FICO score, and loan type. 0.25% rate discount available with Auto Pay. |
Sources (2)
All captured Oct 7, 2026
2017-2021 New & Used Vehicles
Rates and terms based on approved credit, FICO score, and loan type. 0.25% discount available with Auto Pay from Carpenters CU or another financial institution checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.79% | Rates and terms based on approved credit, FICO score, and loan type. 0.25% rate discount available with Auto Pay. |
| 48–60 months | 5.79% | Rates and terms based on approved credit, FICO score, and loan type. 0.25% rate discount available with Auto Pay. |
| 72–84 months | 6.79% | 84 month term requires the vehicle to be 2017 and newer and the loan amount needs to be over $40,000. Rates and terms based on approved credit, FICO score, and loan type. 0.25% rate discount available with Auto Pay. |
Sources (2)
All captured Oct 7, 2026
2022 - 2026 New & Used Vehicles
Rates and terms based on approved credit, FICO score, and loan type. 0.25% discount available with Auto Pay from Carpenters CU or another financial institution checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.79% | Rates and terms based on approved credit, FICO score, and loan type. 0.25% rate discount available with Auto Pay. |
| 48–60 months | 4.79% | Rates and terms based on approved credit, FICO score, and loan type. 0.25% rate discount available with Auto Pay. |
| 72–84 months | 5.79% | 84 month term requires the vehicle to be 2017 and newer and the loan amount needs to be over $40,000. Rates and terms based on approved credit, FICO score, and loan type. 0.25% rate discount available with Auto Pay. |
Sources (2)
All captured Oct 7, 2026
Who can join Carpenters Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.