Credit union · NCUA insured
MY CREDIT UNION Auto Loan Rates
MY CREDIT UNION auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How MY CREDIT UNION’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where MY CREDIT UNION has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MY CREDIT UNION
5.74%APR
- Terms
- —
- Discount
- Included in the rate
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
MY CREDIT UNION auto loan score
65
Auto loan score
Higher than 13% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MY 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
Rate assumes AutoPay (from an MY CREDIT UNION account or payroll at qualifying employers) reflecting a 0.50% discount. APR is based on creditworthiness, term, and collateral. Vehicles 2021 and older are subject to a rate increase. Membership is required.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.74% | APR as low as 5.74%. Rate reflects 0.50% discount for AutoPay and varies by credit qualifications, term, and age of collateral. Vehicles 2021 and older subject to a rate increase. |
Sources (2)
All captured Oct 5, 2026
Who can join MY CREDIT UNION
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to persons who live, worship, attend school, volunteer, or work in businesses and other legal entities located in 15 specified Minnesota counties.
Employers and groups
- Eligible to members and volunteers of the Bloomington Crime Prevention Association, Bloomington, MN.
- Eligible to members of the National Cosmetology Association of Minnesota.
- Eligible to members, volunteers, and donors of MY CREDIT UNION Community Foundation.
Family and household
- Eligible to members of the same household, spouse, blood, or adoptive relatives of any regularly qualified member and their spouse.
Membership information collected October 4, 2026.