Credit union · NCUA insured
SharePoint Credit Union Auto Loan Rates
SharePoint 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 SharePoint Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where SharePoint Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SharePoint Credit Union
4.74%APR
- Terms
- 49–65 months
- Discount
- Included in the rate
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
SharePoint Credit Union auto loan score
83
Auto loan score
Higher than 62% 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 SharePoint 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
Rates are as low as and subject to approval. Rates may vary based on credit history, loan term, and age of vehicle. A down payment may be required. Rates include a 0.25% discount for automatic payment. Rate is intended for new loans and not valid for refinancing existing SharePoint Credit Union loans. An additional fee ($25 on rates page, $35 on auto loan detail page) charged at loan origination increases final APR. Must be eligible for membership. Refinance rate match promotion offers $50 if SharePoint cannot beat qualifying rate on vehicles 10 years old or newer (ends December 31, 2026).
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 4.74% | Model year 2023 and newer. Includes a 0.25% automatic payment discount. Payment per $1,000 is $23.42. |
| 49–65 months | 4.74% | Model year 2023 and newer. Includes a 0.25% automatic payment discount. Payment per $1,000 is $18.98. |
| 66–72 months | 5.24% | Model year 2023 and newer. Includes a 0.25% automatic payment discount. Payment per $1,000 is $16.45. |
| 73–84 months | 5.74% | Model year 2023 and newer. Includes a 0.25% automatic payment discount. Payment per $1,000 is $14.72. |
| 1–48 months | 4.99% | Model year 2019-2022. Includes a 0.25% automatic payment discount. Payment per $1,000 is $23.25. |
| 49–65 months | 4.99% | Model year 2019-2022. Includes a 0.25% automatic payment discount. Payment per $1,000 is $19.10. |
| 66–72 months | 5.49% | Model year 2019-2022. Includes a 0.25% automatic payment discount. Payment per $1,000 is $16.57. |
| 1–48 months | 5.24% | Model year 2018 and older. Includes a 0.25% automatic payment discount. Payment per $1,000 is $23.37. |
| 49–65 months | 5.24% | Model year 2018 and older. Includes a 0.25% automatic payment discount. Payment per $1,000 is $19.21. |
Sources (2)
All captured Oct 16, 2026
Who can join SharePoint Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, attend school, or conduct business in Anoka County, Carver County, Dakota County, Hennepin County, Ramsey County, Scott County, Washington County, or Wright County.
Employers and groups
- Membership is open to individuals affiliated with one of the credit union's partner companies.
Family and household
- Membership is open to individuals who are related to a current member.
Membership information collected October 4, 2026.