Credit union · NCUA insured
North Star Credit Union Auto Loan Rates
Top CarrotNorth Star 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 Credit Union’s auto loan rates compare
Compared with banks and credit unions near Duluth, MN-WI, where North Star Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
North Star Credit Union
4.99%APR
- Terms
- up to 60 months
Auto Loan
Lowest rate
Harbor Pointe Credit Union
3.95%APR
- Terms
- up to 60 months
2nd-lowest rate
Hibbing Cooperative Credit Union
4.59%APR
- Terms
- up to 60 months
North Star Credit Union auto loan score
83
Auto loan score
Higher than 62% 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 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 Loan
All loans are subject to credit approval and membership eligibility. Rates depend on creditworthiness, loan amount, term, collateral, and other qualifying factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Special promotional financing through September 30, 2026 on new and used vehicles (cars, trucks, and SUVs) for up to 60 months. Valid on new loans financed through North Star Credit Union only; existing loans are not eligible. Membership eligibility and credit approval required. |
Sources (7)
- northstarcreditunion.org/recloansjune2026
- northstarcreditunion.org/new-a…ional-vehicle-loan-rates
- northstarcreditunion.org/personal-vehicle-loans
- northstarcreditunion.org/recloans2026
- northstarcreditunion.org/best-…es-in-northern-minnesota
- northstarcreditunion.org/best-…es-in-northern-minnesota
- northstarcreditunion.org/best-…-in-northern-minnesota-2
All captured Oct 7, 2026
Who can join North Star Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who reside, work, volunteer, attend class, or worship in the counties of St Louis, Itasca, Carlton, and Red Lake are eligible for membership.
Employers and groups
- Employees of BNSF Railroad are eligible for membership.
- Employees of North Star Credit Union are eligible for membership.
- Individuals who receive their electric power from Lake Country Power are eligible for membership.
Military, government and schools
- Individuals who live, work, volunteer, worship, or attend school in St. Louis County School District 2142 are eligible for membership.
Family and household
- Individuals who have a relative with an existing account with North Star Credit Union are eligible for membership.
Cost to join
- Opening a membership account represents a $10 share in the credit union.
Membership information collected October 4, 2026.