Credit union · NCUA insured
Federated Employees Credit Union Auto Loan Rates
Top CarrotFederated Employees Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Federated Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Owatonna, MN, where Federated Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Federated Employees Credit Union
4.50%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
2nd-lowest rate
Old National Bank
6.01%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Federated Employees Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Federated Employees 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
FECU finances new and used vehicles for any member of FECU. Finance up to 100 percent of J.D. Power retail value. Terms up to 72 months for new and used vehicles (an 84 month term is available depending on collateral and borrower’s credit history). No pre-payment penalties. Automatic payment options available. Rates are based on the age and value of the collateral and the term of the loan. Additional rates and conditions apply to 72-month and 84-month terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | Model Year: 2025 and newer |
| up to 48 months | 4.25% | Model Year: 2025 and newer |
| up to 60 months | 4.50% | Model Year: 2025 and newer |
| up to 36 months | 4.25% | Model Year: 2024 |
| up to 48 months | 4.50% | Model Year: 2024 |
| up to 60 months | 4.75% | Model Year: 2024 |
| up to 36 months | 5.25% | Model Year: 2017 or older |
| up to 48 months | 5.50% | Model Year: 2017 or older |
| up to 60 months | 5.75% | Model Year: 2017 or older |
Motorcycle, Snowmobile, ATV/UTV, Personal Water Craft Loan
Financing includes motorcycles, snowmobiles, jet skis, ATVs/UTVs, and more. The current Annual Percentage Rates for financing are based on the age and value of the collateral and the term of the loan. Additional terms and conditions may apply.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.00% | Model Year: 2024 or newer |
| — | 6.75% | Model Year: 2023 or older |
Sources (1)
- fedecu.com/rates · captured Oct 16, 2026
Who can join Federated Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to all Federated Insurance Companies employees and retirees.
Family and household
- Membership is available to spouses, children, grandchildren, parents, in-laws, and siblings of Federated Insurance Companies employees and retirees.
Cost to join
- A deposit of one share of $5 into a credit union savings account is required to become a member.
Membership information collected October 4, 2026.