Credit union · NCUA insured
Northwoods Credit Union Auto Loan Rates
Top CarrotNorthwoods Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Northwoods Credit Union’s auto loan rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Northwoods Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northwoods Credit Union
4.74%APR
- Terms
- up to 84 months
- Up to
- 16.75% APR
New & Used Autos and Motorcycles
Lowest rate
Harbor Pointe Credit Union
3.95%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Hibbing Cooperative Credit Union
4.59%APR
- Terms
- up to 60 months
- Up to
- —
Northwoods Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northwoods 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.
New & Used Autos and Motorcycles
Up to 125% financing on new autos for qualified members and up to 125% financing of the NADA Clean retail value on used autos for qualified borrowers. Rates and terms are determined based on creditworthiness and loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74%–16.75% | Rates determined based on creditworthiness. Terms determined based on creditworthiness and loan amount. Monthly payment per $1000 borrowed - maximum term is $14.02 - $20.29. |
Who can join Northwoods 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This may be incomplete or out of date, so check with the credit union before you apply.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, attend school, volunteer, or worship in Carlton, Pine, St. Louis, Douglas, Burnett, Aitkin, Kanabec, or Itasca County are eligible to join.
Employers and groups
- Employees of listed select employer groups (Casino Pizza & Sub Shop, Potlatch, Cloquet Terminal Railroad, Cloquet Transit/LCS Coaches, Community Printing, Inter-Faith Care Center, RAM Mutual Insurance Company, Ray Riihiluoma, Inc., Re/Max of Cloquet, Sappi North America, Upper Lakes Foods, WKLK Radio Station) and members of VFW of Carlton are eligible to join.
Military, government and schools
- Employees of Carlton County, Carlton School District, City of Carlton/Carlton Fire Department, City of Wrenshall/Wrenshall Fire Department, or Esko School District are eligible to join.
Family and household
- Immediate family (including spouses, children, parents, siblings, and other qualifying relatives) and household members of current Northwoods Credit Union members are eligible for membership.
Membership information collected October 4, 2026.