Credit union · NCUA insured
Ideal Credit Union Auto Loan Rates
Top CarrotIdeal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 17, 2026.
How Ideal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Ideal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ideal 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
Ideal 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 Ideal 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
APR varies based on credit history, repayment term selected, amount financed, and vehicle mileage. Quoted APR is best available rate for model years 2022 and newer for a 36 month term.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.79% | Vehicle model year 2022 or newer. |
| up to 48 months | 4.99% | Vehicle model year 2022 or newer. |
| up to 60 months | 5.24% | Vehicle model year 2022 or newer. |
| up to 72 months | 5.44% | Vehicle model year 2022 or newer. |
| up to 84 months | 5.99% | Vehicle model year 2022 or newer; minimum loan amount must be $30,000. |
| up to 36 months | 5.34% | Vehicle model year 2021 or older. |
| up to 48 months | 5.49% | Vehicle model year 2021 or older. |
| up to 60 months | 5.69% | Vehicle model year 2021 or older. |
| up to 72 months | 5.79% | Vehicle model year 2021 or older. |
Sources (1)
- idealcu.com/personal/borrow/auto-loans · captured Oct 5, 2026
Who can join Ideal Credit Union
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