Credit union · NCUA insured
Embarrass Vermillion FCU Auto Loan Rates
Embarrass Vermillion FCU auto loans start at 5.75% APR for a new vehicle and 6.00% for a used one. Rates checked October 16, 2026.
How Embarrass Vermillion FCU’s auto loan rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Embarrass Vermillion FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Embarrass Vermillion FCU
5.75%APR
- Terms
- up to 60 months
New Auto Loans
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
Embarrass Vermillion FCU auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Embarrass Vermillion FCU 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 Auto Loans
Rate based on creditworthiness and term of loan. Up to 100% financing options available including taxes and license fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | Rate based on creditworthiness and loan term. 'Rates start at' / 'as low as'. |
| up to 36 months | 5.25% | Rate based on creditworthiness and loan term. 'Rates start at'. |
| up to 48 months | 5.50% | Rate based on creditworthiness and loan term. 'Rates start at'. |
| up to 60 months | 5.75% | Rate based on creditworthiness and loan term. 'Rates start at'. |
| up to 72 months | 6.00% | Rate based on creditworthiness and loan term. 'Rates start at'. |
| up to 84 months | 6.25% | Rate based on creditworthiness and loan term. 'Rates start at'. |
Used Auto Loans
Rate based on creditworthiness and term of loan. Up to 100% financing options available including taxes and license fees. Terms up to 84 months for qualified models.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.25% | Rate based on creditworthiness and loan term. 'Rates start at'. |
| up to 36 months | 5.50% | Rate based on creditworthiness and loan term. 'Rates start at'. |
| up to 48 months | 5.75% | Rate based on creditworthiness and loan term. 'Rates start at'. |
| up to 60 months | 6.00% | Rate based on creditworthiness and loan term. 'Rates start at'. |
| up to 72 months | 6.25% | Rate based on creditworthiness and loan term. 'Rates start at'. |
| up to 84 months | 6.50% | Rate based on creditworthiness and loan term. 'Rates start at'. |
Who can join Embarrass Vermillion FCU
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 County, MN, North of Hwy 16 for at least six months out of the year are eligible for membership.
Employers and groups
- Employees and enrolled members of the Bois Forte Band of Chippewa located in Nett Lake, MN, who qualify for membership in accordance with its charter and bylaws in effect as of October 10, 2013 are eligible for membership.
- Employees of this credit union are eligible for membership.
- Employees of the Bois Forte Development Corporation located in Tower, Minnesota are eligible for membership.
Military, government and schools
- Employees of Nett Lake School, ISD #707, located in Nett Lake, Minnesota are eligible for membership.
- Employees of the Bois Forte Band of Chippewa Reservation Tribal Government located in Nett Lake, Minnesota are eligible for membership.
6 more ways to join
Family and household
- Individuals who have family living, working, worshipping, or attending school in St. Louis County, MN, North of Hwy 16 for at least six months out of the year are eligible for membership.
- Members of the immediate family or household of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Other ways
- Organizations of eligible persons, and corporate or other legal entities in the proposed charter are eligible for membership.
- Persons retired as pensioners or annuitants from qualifying employment are eligible for membership.
- Volunteers of the eligible organizations/employers are eligible for membership.
Cost to join
- Adult membership requires a deposit of $25.00 into an EVFCU savings account.
- Child membership requires a deposit of $5.00 into an EVFCU savings account.
Membership information collected October 4, 2026.