Bank · FDIC insured
Citizens Independent Bank Auto Loan Rates
Citizens Independent Bank auto loans start at 7.72% APR for a new vehicle and 8.22% for a used one. Rates checked October 16, 2026.
How Citizens Independent Bank’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Citizens Independent Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Citizens Independent Bank
7.72%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
NEW CAR 2023 & 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
Citizens Independent Bank auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- New vehicleNew7.72%
- Used vehicleUsed8.22%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Citizens Independent Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
NEW CAR 2023 & Newer
Rate requires auto debit from CIB Checking Account. Fixed rate. Pre-approval, purchase, or refinance available. Rates are determined by the bank and may be adjusted at the bank's discretion.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.72% | Requires auto debit from CIB Checking Account. APR assumes a $10,000 loan at maximum term of 60 months with a $50 Loan Doc Fee ($201.42/month repayment example). Actual APR will depend on loan amount and term length. |
Sources (3)
- bankcib.com/personal/personal-loans
- bankcib.com/personal/personal-loans/auto-loans.html
- bankcib.com/tools/rates.html
All captured Oct 16, 2026
USED CAR 2017 & OLDER
Rate requires auto debit from CIB Checking Account. Fixed rate. Pre-approval, purchase, or refinance available. Rates are determined by the bank and may be adjusted at the bank's discretion.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.72% | Requires auto debit from CIB Checking Account. APR assumes a $10,000 loan at maximum term of 60 months with a $50 Loan Doc Fee ($206.24/month repayment example). Actual APR will depend on loan amount and term length. |
Sources (3)
- bankcib.com/personal/personal-loans
- bankcib.com/personal/personal-loans/auto-loans.html
- bankcib.com/tools/rates.html
All captured Oct 16, 2026
USED CAR 2018 - 2022
Rate requires auto debit from CIB Checking Account. Fixed rate. Pre-approval, purchase, or refinance available. Rates are determined by the bank and may be adjusted at the bank's discretion.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.22% | Requires auto debit from CIB Checking Account. APR assumes a $10,000 loan at maximum term of 60 months with a $50 Loan Doc Fee ($203.82/month repayment example). Actual APR will depend on loan amount and term length. |
Sources (3)
- bankcib.com/personal/personal-loans
- bankcib.com/personal/personal-loans/auto-loans.html
- bankcib.com/tools/rates.html
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.