Credit union · NCUA insured
HomeTown Credit Union Auto Loan Rates
HomeTown Credit Union auto loan rates start at 4.49% APR. Rates checked October 16, 2026.
How HomeTown Credit Union’s auto loan rates compare
Compared with banks and credit unions near Owatonna, MN, where HomeTown Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HomeTown Credit Union
– –
- Terms
- —
- Discount
- —
No ongoing APR published
Lowest rate
Federated Employees Credit Union
4.50%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Old National Bank
6.01%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
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
Available for new and used vehicles. Flexible terms up to 84 months in length depending on the year of the vehicle and credit score. No minimum term required; maximum term is 84 months. Minimum loan amount is $100.00 with no maximum loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Rate is 4.49% APR based on a 2025 or newer model with a 36-month term. Payment example: a 36-month, $20,000 Auto Loan at 4.49% APR could cost as low as $595 per month. Rates subject to change and based on creditworthiness. Late payment fees of $25.00 and processing fees may apply. |
Sources (1)
- hometowncu.coop/Borrow/Vehicle-and-Toy-Loans/Auto · captured Oct 16, 2026
Who can join HomeTown Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.