Credit union · NCUA insured
CentricityCU Auto Loan Rates
CentricityCU auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How CentricityCU’s auto loan rates compare
Compared with banks and credit unions near Duluth, MN-WI, where CentricityCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CentricityCU
5.49%APR
- Terms
- 49–60 months
New Vehicle Loan
Lowest rate
Harbor Pointe Credit Union
3.95%APR
- Terms
- up to 60 months
2nd-lowest rate
Hibbing Cooperative Credit Union
4.59%APR
- Terms
- up to 60 months
CentricityCU auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CentricityCU 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 Vehicle Loan
Current Model Year & Newer. Rates based on final LTV of 75%; rate will increase for loans with higher LTVs. Up to 120% financing available up to 72 months term; 100% financing on extended terms based on collateral and additional requirements.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Rates based on final LTV of 75%. Up to 120% financing available up to 72 months term. |
| 37–48 months | 5.24% | Rates based on final LTV of 75%. Up to 120% financing available up to 72 months term. |
| 49–60 months | 5.49% | Rates based on final LTV of 75%. Up to 120% financing available up to 72 months term. |
| 61–72 months | 5.99% | Rates based on final LTV of 75%. Up to 120% financing available up to 72 months term. |
| 73–84 months | 6.49% | Rates based on final LTV of 75%. 100% financing on extended terms based on collateral and additional requirements. |
| 85–96 months | 6.74% | Rates based on final LTV of 75%. 100% financing on extended terms based on collateral and additional requirements. |
Sources (1)
- centricity.org/about/rates · captured Oct 16, 2026
Used Vehicle Loan
Rates based on final LTV of 75%; rate will increase for loans with higher LTVs. Up to 120% financing available up to 72 months term; 100% financing on extended terms based on collateral and additional requirements. Vehicles > 8 years add 2.00% to rate. Mileage 120,000 - 150,000 add 0.50% to rate; mileage 150,001 - 179,999 add 1.00% to rate; mileage at or over 180,000 add 1.50% to rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Rates based on final LTV of 75%. Up to 120% financing available up to 72 months term. Vehicles > 8 years add 2.00% to rate. Mileage adjustments apply. |
| 37–48 months | 5.49% | Rates based on final LTV of 75%. Up to 120% financing available up to 72 months term. Vehicles > 8 years add 2.00% to rate. Mileage adjustments apply. |
| 49–60 months | 5.74% | Rates based on final LTV of 75%. Up to 120% financing available up to 72 months term. Vehicles > 8 years add 2.00% to rate. Mileage adjustments apply. |
| 61–72 months | 6.24% | Rates based on final LTV of 75%. Up to 120% financing available up to 72 months term. Vehicles > 8 years add 2.00% to rate. Mileage adjustments apply. |
| 73–84 months | 6.74% | Rates based on final LTV of 75%. 100% financing on extended terms based on collateral and additional requirements. Vehicles > 8 years add 2.00% to rate. Mileage adjustments apply. |
| 85–96 months | 6.99% | Rates based on final LTV of 75%. 100% financing on extended terms based on collateral and additional requirements. Vehicles > 8 years add 2.00% to rate. Mileage adjustments apply. |
Sources (1)
- centricity.org/about/rates · captured Oct 16, 2026
Who can join CentricityCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in St. Louis, Carlton, Lake, Pine, or Douglas County are eligible to join Centricity.
Membership information collected October 4, 2026.