Credit union · NCUA insured
City & County Credit Union Auto Loan Rates
City & County Credit Union auto loans start at 5.44% APR for a new vehicle and 5.59% for a used one. Rates checked October 16, 2026.
How City & County Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where City & County Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
City & County Credit Union
5.44%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Vehicle: model year 2026 - 2025
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
City & County Credit Union auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.44%
- Used vehicleUsed5.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where City & County 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 Vehicle: model year 2026 - 2025
Rates as low as stated; actual rate based on applicant's credit qualifications, collateral, and loan terms. Includes a 0.25% APR discount for autopay from a CCCU account. Financing new vehicle up to 100% of the purchase price including tax, license, and extended warranty for qualified borrowers. Term limits may apply. Membership required prior to funding. No payment for 90 days available on loans new to CCCU (interest accrues during the 90 days).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.09% | Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications. |
| up to 48 months | 5.19% | Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications. |
| up to 60 months | 5.44% | Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications. |
| up to 72 months | 5.99% | Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications. |
| up to 84 months | 6.19% | Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications. |
Sources (4)
- loans.cccu.com/loans/auto
- cccu.com/personal/borrow/auto-loans
- cccu.com/offer/auto
- cccu.com/rates/loan-rates
All captured Oct 5, 2026
Used Vehicle: model year 2024 - 2012
Rates as low as stated; actual rate based on applicant's credit qualifications, collateral, and loan terms. Includes a 0.25% APR discount for autopay from a CCCU account. Financing used up to 100% NADA retail including options, tax, license, and extended warranty for qualified borrowers. Term limits may apply. Membership required prior to funding. No payment for 90 days available on loans new to CCCU (interest accrues during the 90 days).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications. |
| up to 48 months | 5.34% | Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications. |
| up to 60 months | 5.59% | Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications. |
| up to 72 months | 6.14% | Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications. |
| up to 84 months | 6.34% | Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications. |
Sources (3)
All captured Oct 5, 2026
Who can join City & County Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or learn in eligible Minnesota counties (Anoka, Carver, Chisago, Dakota, Hennepin, McLeod, Meeker, Ramsey, Scott, Sherburne, Sibley, Washington, Wright) or Wisconsin counties (Pierce, St. Croix), or who have an immediate family member who does.
Employers and groups
- Eligibility is open nationwide to employees or retirees of General Mills, Inc., or their immediate family members.
Military, government and schools
- Eligibility is open to employees of the City of Saint Paul and Ramsey County.
Family and household
- Eligibility is open to individuals who have an immediate family member who is a current City & County Credit Union member or who live with someone that is a current member.
Membership information collected October 4, 2026.