Credit union · NCUA insured
Indianhead Credit Union Auto Loan Rates
Indianhead Credit Union auto loans start at 5.59% APR for a new vehicle and 5.59% for a used one. Rates checked October 16, 2026.
How Indianhead Credit Union’s auto loan rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Indianhead Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Indianhead Credit Union
5.59%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
Harbor Pointe Credit Union
3.95%APR
- Terms
- up to 60 months
2nd-lowest rate
Hibbing Cooperative Credit Union
4.59%APR
- Terms
- up to 60 months
Indianhead Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.59%
- Used vehicleUsed5.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Indianhead 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
Rates based on creditworthiness, credit score, and term of loan. All loans subject to collateral and credit approval. Members can qualify for a 0.50% reduction on their loan rate by setting up direct deposit and automatic loan payments (some loan products may not be eligible). Available for new, used, or refinanced vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.59% | Available for 2023 & newer vehicles. Monthly payment per $1,000 borrowed is $43.69. |
| up to 36 months | 4.99% | Available for 2023 & newer vehicles. Monthly payment per $1,000 borrowed is $29.97. |
| up to 48 months | 5.39% | Available for 2023 & newer vehicles. Monthly payment per $1,000 borrowed is $23.21. |
| up to 60 months | 5.59% | Available for 2023 & newer vehicles. Monthly payment per $1,000 borrowed is $19.14. |
| up to 66 months | 5.79% | Available for 2023 & newer vehicles. Monthly payment per $1,000 borrowed is $17.73. |
| 72–75 months | 6.19% | Available for 2023 & newer vehicles. $10,000 minimum loan amount. Monthly payment per $1,000 borrowed is $16.11 (75 Months). |
| up to 84 months | 6.69% | Available for 2023 & newer vehicles. $20,000 minimum loan amount. Monthly payment per $1,000 borrowed is $14.94. |
| up to 24 months | 4.89% | Available for 2016–2022 vehicles. Monthly payment per $1,000 borrowed is $43.82. |
| up to 36 months | 5.64% | Available for 2016–2022 vehicles. Monthly payment per $1,000 borrowed is $30.26. |
| up to 48 months | 5.99% | Available for 2016–2022 vehicles. Monthly payment per $1,000 borrowed is $23.48. |
| 60–63 months | 6.14% | Available for 2016–2022 vehicles. Monthly payment per $1,000 borrowed is $19.46 (60 Months). |
| 72–75 months | 6.64% | Available for 2016–2022 vehicles. $10,000 minimum loan amount. Monthly payment per $1,000 borrowed is $16.33 (75 Months). |
| up to 24 months | 6.64% | Available for 2015 & older vehicles. Monthly payment per $1,000 borrowed is $44.61. |
| up to 36 months | 7.54% | Available for 2015 & older vehicles. Monthly payment per $1,000 borrowed is $31.12. |
| up to 48 months | 7.79% | Available for 2015 & older vehicles. Monthly payment per $1,000 borrowed is $24.31. |
| up to 60 months | 8.14% | Available for 2015 & older vehicles. Monthly payment per $1,000 borrowed is $20.34. |
Sources (3)
All captured Oct 5, 2026
Who can join Indianhead Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in Ashland, Barron, Bayfield, Burnett, Douglas, Polk, Rusk, Sawyer, or Washburn counties in Wisconsin, or Carlton, Pine, or St. Louis counties in Minnesota.
Family and household
- Membership is open to spouses, parents, children, grandparents, grandchildren, or household members of a current Indianhead Credit Union member.
Cost to join
- A $5.00 membership deposit is required to open an account upon membership confirmation.
Membership information collected October 5, 2026.