Credit union · NCUA insured
Expedition Credit Union Auto Loan Rates
Expedition Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Expedition Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Expedition Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Expedition Credit Union
5.24%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
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
Expedition Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Expedition 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.
Auto Loans
Rates based upon credit history and other factors. Receive a .25% rate discount with automatic payments. Other rates available for used vehicles 2020 and older with higher mileage. New or existing membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Model year 2021 and newer. APR as low as; payment per $1,000 is $30.03. Rate discount of 0.25% available with automatic payments. |
| up to 48 months | 5.24% | Model year 2021 and newer. APR as low as; payment per $1,000 is $23.20. Rate discount of 0.25% available with automatic payments. |
| up to 60 months | 5.24% | Model year 2021 and newer. APR as low as; payment per $1,000 is $19.03. Rate discount of 0.25% available with automatic payments. |
| up to 72 months | 5.49% | Model year 2021 and newer. APR as low as; payment per $1,000 is $16.37. Rate discount of 0.25% available with automatic payments. |
| up to 84 months | 5.99% | Model year 2021 and newer. 84 month term available if financing $35,000 or more. APR as low as; payment per $1,000 is $14.65. Rate discount of 0.25% available with automatic payments. |
First-Time Auto Loan Program
Must be at least 18 years old and have no previous auto credit to qualify. Refinance of existing auto loan allowed if purchased within the last 6 months. No credit required; however, no derogatory credit is allowed. Payment cannot exceed 20% of monthly gross income. Minimum of 6 months employment with present employer required (provide 2 paystubs or signed employment contract and recent paystub). Proof of insurance required. Loan limits up to $25,000, terms up to 60 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.99% | Zero Down Payment. For every $1,000 borrowed at 7.99% APR over 5 years, monthly payment is $20.34. |
| up to 60 months | 6.99% | 10% or More Down Payment. For every $1,000 borrowed at 6.99% APR over 5 years, monthly payment is $19.86. |
Sources (1)
- expeditioncu.com/loans/auto-loans.html · captured Oct 16, 2026
Who can join Expedition Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Those who do not qualify through other categories can join by making a one-time $5 tax-deductible donation to the Expedition Foundation.
Where you live or work
- Persons who live, work, worship, go to school, or do business in Anoka, Dakota, Hennepin, Ramsey, or Washington County, Minnesota are eligible for membership.
Employers and groups
- Employees of Educators Financial Services, Inc. are eligible for membership.
Military, government and schools
- Education Minnesota members and employees are eligible for membership.
- National Education Association Minnesota field service employees in the state of Minnesota are eligible for membership.
- Minnesota school staff and administrators belonging to their state or national organization are eligible for membership.
4 more ways to join
Military, government and schools
- Individuals affiliated with School District 283 of St. Louis Park are eligible for membership.
- St. Louis Park City Employees are eligible for membership.
Family and household
- Anyone related to a current member by blood, adoption, or marriage is eligible regardless of where they live.
- People living in the same household with existing Expedition Credit Union members are eligible for membership.
Cost to join
- A one-time, tax-deductible donation of $5 to the Expedition Foundation.
- A membership share deposit of at least $5 payable to Expedition Credit Union.
Membership information collected October 4, 2026.