Credit union · NCUA insured
NSP Credit Union Auto Loan Rates
Top CarrotNSP Credit Union auto loans start at 5.25% APR for a new vehicle and 6.25% for a used one. Rates checked October 16, 2026.
How NSP Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where NSP Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NSP Credit Union
5.25%APR
- Terms
- up to 60 months
- Discount
- None included
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
NSP Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NSP 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
Add a checking account, automatic transfer, and/or VISA credit card to unlock up to a 0.50% rate reduction on auto and home equity loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.25% | New (2025-2026). Lowest rate available; actual rate based on credit score. |
| up to 36 months | 5.25% | Used (2018-2024). Lowest rate available; actual rate based on credit score. |
| up to 36 months | 6.25% | Used (2017 & Older). Lowest rate available; actual rate based on credit score. |
| up to 48 months | 4.75% | New (2025-2026). Lowest rate available; actual rate based on credit score. |
| up to 48 months | 5.75% | Used (2018-2024). Lowest rate available; actual rate based on credit score. |
| up to 48 months | 6.75% | Used (2017 & Older). Lowest rate available; actual rate based on credit score. |
| up to 60 months | 5.25% | New (2025-2026). Lowest rate available; actual rate based on credit score. |
| up to 60 months | 6.25% | Used (2018-2024). Lowest rate available; actual rate based on credit score. |
| up to 60 months | 7.25% | Used (2017 & Older). Lowest rate available; actual rate based on credit score. |
| up to 72 months | 5.75% | New (2025-2026). Lowest rate available; actual rate based on credit score. |
| up to 72 months | 6.75% | Used (2018-2024). Lowest rate available; actual rate based on credit score. |
| up to 84 months | 6.25% | New (2025-2026). Lowest rate available; actual rate based on credit score. |
Who can join NSP Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to individuals who are currently employed with or retired from specified trade, industry, and professional groups within the North American Industry Classification System (NAICS).
Family and household
- Membership is open to the household of a member, including but not limited to the spouse of a member, and the blood or adoptive relatives of them and their spouses.
- The surviving spouse of a regularly qualified member, and the blood or adoptive relatives of either of them or their spouses may become members.
Cost to join
- Joining requires opening and funding a Member Savings account in branch or online.
Membership information collected October 4, 2026.