Credit union · NCUA insured
Latvian Credit Union Auto Loan Rates
Latvian Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Latvian Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Latvian Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Latvian Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- 13.74% APR
- Discount
- None included
Auto Loans
Lowest rate
Magnifi Financial
3.99%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
St. Paul Federal Credit Union
4.29%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Latvian Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Latvian 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
Offer valid on new/used auto. Rates apply to 2023–Newer as well as 2022–2016 model years. Price adjustments: +1% for 2015-2011 collateral (max term 60 months), +3% for 2010-or-older collateral (max term 36 months). All loans are subject to standard credit approval terms and risk analysis.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74%–12.99% | Model years 2023–Newer. APR range across credit score tiers C (600–639, 90% LTV, max $40,000) to A+ (730 & UP, 100% LTV, max $100,000). Best-credit rate 4.74% requires credit score 730 & UP. |
| up to 48 months | 5.24%–13.24% | Model years 2023–Newer. APR range across credit score tiers C (600–639, 90% LTV, max $40,000) to A+ (730 & UP, 100% LTV, max $100,000). Best-credit rate 5.24% requires credit score 730 & UP. |
| up to 60 months | 5.49%–13.74% | Model years 2023–Newer. APR range across credit score tiers C (600–639, 90% LTV, max $40,000) to A+ (730 & UP, 100% LTV, max $100,000). Best-credit rate 5.49% requires credit score 730 & UP. |
| up to 72 months | 5.99%–14.24% | Model years 2023–Newer. APR range across credit score tiers C (600–639, 90% LTV, max $40,000) to A+ (730 & UP, 100% LTV, max $100,000). Best-credit rate 5.99% requires credit score 730 & UP. |
| up to 36 months | 4.99%–13.24% | Model years 2022–2016 (also applies to 2015-2011 with +1% price adjustment and 2010-or-older with +3% price adjustment). APR range across credit score tiers C (600–639, 90% LTV, max $40,000) to A+ (730 & UP, 100% LTV, max $100,000). Best-credit rate 4.99% requires credit score 730 & UP. |
| up to 48 months | 5.49%–13.49% | Model years 2022–2016 (also applies to 2015-2011 with +1% price adjustment and 2010-or-older with +3% price adjustment). APR range across credit score tiers C (600–639, 90% LTV, max $40,000) to A+ (730 & UP, 100% LTV, max $100,000). Best-credit rate 5.49% requires credit score 730 & UP. |
| up to 60 months | 5.74%–13.99% | Model years 2022–2016 (also applies to 2015-2011 with +1% price adjustment, max term 60 months, and 2010-or-older with +3% price adjustment). APR range across credit score tiers C (600–639, 90% LTV, max $40,000) to A+ (730 & UP, 100% LTV, max $100,000). Best-credit rate 5.74% requires credit score 730 & UP. |
| up to 72 months | 6.24%–14.49% | Model years 2022–2016. APR range across credit score tiers C (600–639, 90% LTV, max $40,000) to A+ (730 & UP, 100% LTV, max $100,000). Best-credit rate 6.24% requires credit score 730 & UP. |
Who can join Latvian Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members of Association \u201cDaugavas Vanagi\u201d.
- Membership is open to members of Latvian Organizations Association of Minnesota (LOAM).
Military, government and schools
- Membership is open to members of Latvian Evangelical Lutheran Church of Minneapolis and St. Paul.
Family and household
- Membership is open to family members including spouse, in-laws, and other relatives of a member of Latvian Credit Union, as well as children or grandchildren (by blood or adoption) of a deceased relative who was a member.
Other ways
- Membership is open to individuals who were once members or whose relatives were once members.
Membership information collected October 4, 2026.