Credit union · NCUA insured
Farm Credit Employees Federal Credit Union Auto Loan Rates
Farm Credit Employees Federal Credit Union auto loans start at 4.89% APR for a new vehicle and 6.25% for a used one. Rates checked October 16, 2026.
How Farm Credit Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Farm Credit Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Farm Credit Employees Federal Credit Union
4.89%APR
- Terms
- up to 60 months
- Up to
- 5.39% APR
- Discount
- None included
Auto Loan - New (2026/2025)
Lowest rate
Magnifi Financial
3.99%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
St. Paul Federal Credit Union
4.29%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Farm Credit Employees Federal Credit Union auto loan score
80
Auto loan score
Higher than 53% of U.S. banks and credit unions
- New vehicleNew4.89%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Farm Credit Employees Federal 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 Loan - Advanced Used (2018-2016)
For advanced used model years 2018-2016. 'Save to the Max' discounts do not apply to auto loans on model years 2017 and older. Up to 125% financing available including license and fees. Subject to normal credit guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.49% | — |
| up to 60 months | 8.99% | — |
Auto Loan - New (2026/2025)
For new model years 2026/2025 with less than 7,500 miles. Up to 125% financing available including license and fees. Max discount of 0.50% available via Save to the Max (0.25% for Automatic Payroll Deduction, 0.25% for New Member, or 0.25% for GAP or MRC). Subject to normal credit guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.89%–5.39% | Rate is 5.39% APR or 4.89% APR with max discount (up to 0.50% reduction for automatic payroll deduction, new member, or GAP/MRC). |
| up to 72 months | 5.64%–6.14% | Rate is 6.14% APR or 5.64% APR with max discount (up to 0.50% reduction for automatic payroll deduction, new member, or GAP/MRC). |
| up to 84 months | 6.39%–6.89% | Rate is 6.89% APR or 6.39% APR with max discount (up to 0.50% reduction for automatic payroll deduction, new member, or GAP/MRC). |
Auto Loan - Used (2024-2019)
For used model years 2024-2019. Up to 125% financing available including license and fees. Max discount of 0.50% available via Save to the Max (0.25% for Automatic Payroll Deduction, 0.25% for New Member, or 0.25% for GAP or MRC). Subject to normal credit guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.75%–6.25% | Rate is 6.25% APR or 5.75% APR with max discount (up to 0.50% reduction for automatic payroll deduction, new member, or GAP/MRC). |
| up to 60 months | 6.25%–6.75% | Rate is 6.75% APR or 6.25% APR with max discount (up to 0.50% reduction for automatic payroll deduction, new member, or GAP/MRC). |
| up to 72 months | 6.70%–7.20% | Rate is 7.20% APR or 6.70% APR with max discount (up to 0.50% reduction for automatic payroll deduction, new member, or GAP/MRC). |
| up to 84 months | 7.25%–7.75% | Rate is 7.75% APR or 7.25% APR with max discount (up to 0.50% reduction for automatic payroll deduction, new member, or GAP/MRC). |
Who can join Farm Credit Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees within the AgriBank district are eligible for membership.
Family and household
- Families of employees within the AgriBank district are eligible for membership.
Membership information collected October 4, 2026.