Credit union · NCUA insured
North Memorial FCU Auto Loan Rates
North Memorial FCU auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How North Memorial FCU’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where North Memorial FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
North Memorial FCU
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
2026-2027 AUTO/MOTORCYCLES
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
North Memorial FCU auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where North Memorial FCU 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.
2016 AND OLDER AUTOS/MOTORCYCLES
Payment example: $24.65 per $1,000 borrowed. Rates subject to credit score reported by Equifax, Experian, or TRW.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.49% | Payment example: $24.65 per $1000 borrowed |
Sources (1)
- northmemorialfcu.com/rates-fees · captured Oct 7, 2026
2017-2019 AUTO/MOTORCYCLES
Payment example: $30.20 to $19.43 per $1,000 borrowed. Rates subject to credit score reported by Equifax, Experian, or TRW.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | Payment example: $30.20 per $1000 borrowed |
| up to 48 months | 5.79% | Payment example: $23.39 per $1000 borrowed |
| up to 60 months | 6.19% | Payment example: $19.43 per $1000 borrowed |
Sources (1)
- northmemorialfcu.com/rates-fees · captured Oct 7, 2026
2020-2025 AUTO/MOTORCYCLES
Payment example: $29.84 to $16.67 per $1,000 borrowed. Rates subject to credit score reported by Equifax, Experian, or TRW.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Payment example: $29.84 per $1000 borrowed |
| up to 48 months | 4.79% | Payment example: $22.99 per $1000 borrowed |
| up to 60 months | 4.99% | Payment example: $19.06 per $1000 borrowed |
| up to 72 months | 5.99% | Payment example: $17.05 per $1000 borrowed |
| up to 84 months | 6.99% | Payment example: $16.67 per $1000 borrowed |
Sources (1)
- northmemorialfcu.com/rates-fees · captured Oct 7, 2026
2026-2027 AUTO/MOTORCYCLES
Payment example: $29.75 to $15.09 per $1,000 borrowed. Rates subject to credit score reported by Equifax, Experian, or TRW.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.09% | Payment example: $29.75 per $1000 borrowed |
| up to 48 months | 4.29% | Payment example: $22.94 per $1000 borrowed |
| up to 60 months | 4.49% | Payment example: $18.87 per $1000 borrowed |
| up to 72 months | 5.09% | Payment example: $16.57 per $1000 borrowed |
| up to 84 months | 6.49% | Payment example: $15.09 per $1000 borrowed |
Who can join North Memorial FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Staff of Alpine Lending are eligible for membership.
- Staff of American Family Insurance - Steven G. Graham Agency, Inc. are eligible for membership.
- Staff of DJ Kranz are eligible for membership.
- Staff of Fine Line for Hair, Inc. dba Great Clips are eligible for membership.
- Staff of Financial Recovery Service, Inc are eligible for membership.
- Staff of Grove Salons Inc, dba Fantastic Sam's are eligible for membership.
16 more ways to join
Employers and groups
- Staff of medical offices that can admit to North Memorial Medical Center and Maple Grove Hospital are eligible for membership.
- Staff of Maple Grove Hospital, associates, and affiliated offices/clinics are eligible for membership.
- Staff of North Memorial Medical Center, associates, and affiliated offices/clinics are eligible for membership.
- Staff of Premier Health Chiropractic are eligible for membership.
- Staff of Saint Therese Home, Inc. are eligible for membership.
Family and household
- Family members of staff of Alpine Lending are eligible for membership.
- Family members of staff of American Family Insurance - Steven G. Graham Agency, Inc. are eligible for membership.
- Family members of staff of DJ Kranz are eligible for membership.
- Family members of staff of Fine Line for Hair, Inc. dba Great Clips are eligible for membership.
- Family members of staff of Financial Recovery Service, Inc are eligible for membership.
- Family members of staff of Grove Salons Inc, dba Fantastic Sam's are eligible for membership.
- Family members of staff of medical offices that can admit to North Memorial Medical Center and Maple Grove Hospital are eligible for membership.
- Family members of staff of Maple Grove Hospital, associates, and affiliated offices/clinics are eligible for membership.
- Family members of staff of North Memorial Medical Center, associates, and affiliated offices/clinics are eligible for membership.
- Family members of staff of Premier Health Chiropractic are eligible for membership.
- Family members of staff of Saint Therese Home, Inc. are eligible for membership.
Membership information collected October 4, 2026.