Credit union · NCUA insured
Share Advantage Credit Union Auto Loan Rates
Share Advantage Credit Union auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Share Advantage Credit Union’s auto loan rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Share Advantage Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Share Advantage Credit Union
5.99%APR
- Terms
- —
Vehicle 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
Share Advantage Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Share Advantage 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.
Vehicle Loan
Rates are quoted as lowest possible rate and are based on credit history, down payment, term, and model year. Subject to change without notice. Member eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99% | Autos new to 2 years old. Quoted as lowest possible rate; actual rate based on credit history, down payment, term, and model year. Member eligibility required. |
| — | 6.24% | Autos 3-7 years old. Quoted as lowest possible rate; actual rate based on credit history, down payment, term, and model year. Member eligibility required. |
| — | 7.74% | Autos 8+ years old. Quoted as lowest possible rate; actual rate based on credit history, down payment, term, and model year. Member eligibility required. |
Sources (2)
All captured Oct 5, 2026
Who can join Share Advantage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses and other legal entities located in Minnesota's St. Louis and Carlton counties are eligible for membership.
- Persons who live, work, or attend school in Minnesota's St. Louis and Carlton counties are eligible for membership.
Cost to join
- A one-time $10 membership share is required to join, which is reserved in savings for the lifetime of membership and refundable upon closure (unless closed within six months).
Membership information collected October 4, 2026.