Credit union · NCUA insured
North Star Community Credit Union Auto Loan Rates
Top CarrotNorth Star Community Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How North Star Community Credit Union’s auto loan rates compare
Compared with banks and credit unions in Iowa, where North Star Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
North Star Community Credit Union
4.99%APR
- Terms
- 1–60 months
- Discount
- Included in the rate
Auto / Motorcycle Loan
Lowest rate
Power Co-op Employees Credit Union
2.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Centris Federal Credit Union
3.99%APR
- Terms
- 24–63 months
- Discount
- None included
North Star Community Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where North Star Community 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 / Motorcycle Loan
Max amount financed 120%. Rates apply to new/used vehicle purchases or new/used vehicle refinances from other institutions. Includes a 0.25% discount with automatic payment from North Star Community Credit Union account. All loans subject to approval; rate may be higher based on credit performance.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 4.99% | Includes 0.25% discount with automatic payment from North Star Community Credit Union account. As low as rate. |
| up to 72 months | 5.49% | Includes 0.25% discount with automatic payment from North Star Community Credit Union account. As low as rate. |
| up to 84 months | 6.49% | Includes 0.25% discount with automatic payment from North Star Community Credit Union account. As low as rate. |
Sources (1)
- nsccu.org/auto-loans · captured Oct 5, 2026
Who can join North Star Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to any person who lives or works in eligible Iowa counties (Audubon, Buena Vista, Calhoun, Carroll, Cherokee, Clay, Crawford, Dickenson, Emmet, Harrison, Ida, Lyon, Monona, O'Brien, Osceola, Palo Alto, Plymouth, Pocahontas, Sac, Shelby, Sioux, and Woodbury).
Family and household
- Immediate family members and household members of individuals residing in any of the 22 eligible counties are eligible for membership regardless of residence.
- Immediate family members of credit union members (by blood, marriage, or adoption) are eligible regardless of county of residence.
Cost to join
- A $5 minimum deposit into a Share Savings Account is required to establish membership and represent a share in the credit union.
Membership information collected October 4, 2026.