Credit union · NCUA insured
Royal Credit Union Auto Loan Rates
Top CarrotRoyal Credit Union auto loans start at 5.04% APR for a new vehicle and 5.04% for a used one. Rates checked October 16, 2026.
How Royal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Royal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Royal Credit Union
5.04%APR
- Terms
- up to 63 months
- Discount
- None included
2023 & Newer Vehicle Rates
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
Royal Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.04%
- Used vehicleUsed5.04%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Royal 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.
2015 & Older Vehicle Rates
Rates subject to credit approval. Down payment requirements may apply. Rates shown are lowest possible rate. Other rates and terms are also available. Monthly payment is based on payment per $1,000 for APR rate and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.59% | Monthly payment $44.59 per $1,000. |
| up to 36 months | 7.49% | Monthly payment $31.10 per $1,000. |
| up to 48 months | 7.74% | Monthly payment $24.29 per $1,000. |
| up to 63 months | 8.09% | Monthly payment $19.53 per $1,000. |
| up to 75 months | 8.74% | Monthly payment $17.35 per $1,000. |
Sources (1)
- rcu.org/rates/auto-loan-rates · captured Sep 26, 2026
2016-2022 Vehicle Rates
Rates subject to credit approval. Down payment requirements may apply. Rates shown are lowest possible rate. Other rates and terms are also available. Monthly payment is based on payment per $1,000 for APR rate and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.84% | Monthly payment $43.80 per $1,000. |
| up to 36 months | 5.49% | Monthly payment $30.19 per $1,000. |
| up to 48 months | 5.49% | Monthly payment $23.25 per $1,000. |
| up to 63 months | 5.49% | Monthly payment $18.31 per $1,000. |
| up to 75 months | 6.29% | Monthly payment $16.16 per $1,000. |
Sources (1)
- rcu.org/rates/auto-loan-rates · captured Sep 26, 2026
2023 & Newer Vehicle Rates
Rates subject to credit approval. Down payment requirements may apply. Rates shown are lowest possible rate. Other rates and terms are also available. Monthly payment is based on payment per $1,000 for APR rate and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.54% | Monthly payment $43.67 per $1,000. |
| up to 36 months | 4.94% | Monthly payment $29.94 per $1,000. |
| up to 48 months | 5.04% | Monthly payment $23.05 per $1,000. |
| up to 63 months | 5.04% | Monthly payment $18.10 per $1,000. |
| up to 75 months | 5.24% | Monthly payment $15.66 per $1,000. |
| up to 84 months | 6.34% | Monthly payment $14.77 per $1,000. |
Sources (1)
- rcu.org/rates/auto-loan-rates · captured Sep 26, 2026
Who can join Royal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.