Credit union · NCUA insured
Harbor Pointe Credit Union Auto Loan Rates
Top CarrotHarbor Pointe Credit Union auto loans start at 3.95% APR for a new vehicle and 3.95% for a used one. Rates checked October 16, 2026.
How Harbor Pointe Credit Union’s auto loan rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Harbor Pointe Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Harbor Pointe Credit Union
3.95%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loan Special
2nd-lowest rate
Hibbing Cooperative Credit Union
4.59%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
Northwoods Credit Union
4.74%APR
- Terms
- up to 84 months
- Up to
- 16.75% APR
Harbor Pointe Credit Union auto loan score
96
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew3.95%
- Used vehicleUsed3.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Harbor Pointe 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 Special
Promotional rate for new or used personal vehicle purchases or refinances from other lenders (no internal refinances). Requires credit score of 700 or higher, meeting underwriting requirements, and establishing and maintaining direct deposit of at least $750 per month into an HPCU checking account for the life of the loan. No documentation fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.95% | Up to 5-year (60-month) term. Minimum 700 credit score and active direct deposit of at least $750/month into checking account required. |
Sources (1)
- hpcu.us/checking-savings/auto-loan-special · captured Oct 5, 2026
Auto Loans
Posted rates apply to all model years and any mileage for purchase or external refinance (no internal refinances). Requires a credit score of 700 or higher and an active HPCU checking account (Superior Rewards). Rates include a $150 document preparation fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | 3-year (36 months) duration. Requires credit score of 700+ and active HPCU checking account (Superior Rewards). Includes $150 document preparation fee. |
| up to 48 months | 4.99% | 4-year (48 months) duration. Requires credit score of 700+ and active HPCU checking account (Superior Rewards). Includes $150 document preparation fee. |
| up to 60 months | 4.99% | 5-year (60 months) duration. Requires credit score of 700+ and active HPCU checking account (Superior Rewards). Includes $150 document preparation fee. |
| up to 72 months | 6.16% | 6-year (72 months) duration. Requires credit score of 700+ and active HPCU checking account (Superior Rewards). Includes $150 document preparation fee. |
| up to 84 months | 6.63% | 7-year (84 months) duration. Requires credit score of 700+ and active HPCU checking account (Superior Rewards). Includes $150 document preparation fee. |
Who can join Harbor Pointe Credit Union
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 in Saint Louis County, Carlton County, Lake County, or East Itasca County in MN, or Douglas County in WI are eligible for membership.
- Individuals who work, worship, volunteer, or attend school in Duluth, Hermantown, or Proctor are eligible for membership.
Family and household
- Individuals who have a family member who is a current member of Harbor Pointe Credit Union are eligible for membership.
Cost to join
- Membership requires a $5.00 deposit into a primary savings account.
Membership information collected October 4, 2026.