Minnesota Valley Federal Credit Union Auto Loan Rates

How Minnesota Valley Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Mankato, MN, where Minnesota Valley Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Minnesota Valley Federal Credit Union
5.24%APR
Terms
up to 72 months
Discount
None included
Auto Loans
Lowest rate
Affinity Plus
5.24%APR
Terms
up to 60 months
Discount
None included
Affinity Plus rates
3rd-lowest rate
Old National Bank
6.01%APR
Terms
up to 84 months
Discount
Included in the rate
Old National Bank rates

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Auto loan score

Higher than 38% of U.S. banks and credit unions

By vehicle

New vehicleNew5.24%
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.

How the score works →

Where Minnesota Valley Federal 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

New or existing Minnesota Valley FCU membership is required. Actual rate depends on payment and credit history, mileage, term, and Loan-to-Value (LTV). Finances up to 125% of MSRP (new vehicles) or J.D. Power NADA Retail Value (used vehicles). Maximum interest rate is 18% APR. New Auto must be model years 2024 or newer. For model years 10 years old or older, contact the credit union. Total of all discounts limited to 0.85%. Private party purchase interest rate adjustment: +1.00%.

Terms	APR	Conditions
up to 36 months	4.49%	New Vehicles (Titled in the last 6 months). Payment example: $8,500 at $252.81/month.
up to 48 months	4.74%	New Vehicles (Titled in the last 6 months). Payment example: $10,000 at $229.12/month.
up to 60 months	5.24%	New Vehicles (Titled in the last 6 months). Payment example: $15,000 at $284.72/month.
up to 72 months	5.24%	New Vehicles (Titled in the last 6 months). Payment example: $20,000 at $324.33/month.
up to 84 months	5.49%	New Vehicles (Titled in the last 6 months). Payment example: $25,000 at $359.13/month.
up to 96 months	5.99%	New Vehicles (Titled in the last 6 months). Payment example: $30,000 at $394.10/month.
up to 36 months	4.74%	Used Vehicles 2021 to 2025. Payment example: $8,500 at $253.76/month.
up to 48 months	4.99%	Used Vehicles 2021 to 2025. Payment example: $10,000 at $230.25/month.
up to 72 months	5.49%	Used Vehicles 2021 to 2025. Payment example: $20,000 at $326.66/month.
up to 36 months	5.24%	Used Vehicles 2016 to 2020. Payment example: $8,500 at $255.67/month.
up to 48 months	5.49%	Used Vehicles 2016 to 2020. Payment example: $10,000 at $232.52/month.
up to 60 months	5.74%	Used Vehicles 2016 to 2020. Payment example: $15,000 at $288.18/month.
up to 72 months	5.99%	Used Vehicles 2016 to 2020. Payment example: $20,000 at $331.36/month.
up to 36 months	6.24%	Used Vehicles 10 Years & Older. Payment example: $8,500 at $200.56/month.
up to 48 months	6.49%	Used Vehicles 10 Years & Older. Payment example: $8,500 at $201.54/month.
up to 60 months	6.74%	Used Vehicles 10 Years & Older. Payment example: $10,000 at $196.79/month.

Sources (2)

All captured Oct 5, 2026

Who can join Minnesota Valley Federal 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, work, worship, attend school, or volunteer, and businesses and other legal entities located in Blue Earth, Nicollet, Le Sueur, Waseca, Brown, or Watonwan counties are eligible for membership.

Family and household

Immediate family members of existing MVFCU members are eligible to join.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

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