Credit union · NCUA insured
SMW Financial Credit Union Auto Loan Rates
Top CarrotSMW Financial Credit Union auto loans start at 4.29% APR for a new vehicle and 4.79% for a used one. Rates checked October 16, 2026.
How SMW Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where SMW Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SMW Financial Credit Union
4.29%APR
- Terms
- —
- Discount
- None included
New 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
SMW Financial Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.29%
- Used vehicleUsed4.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SMW Financial 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 Auto Loans
Rates current as of October 16th, 2026. Actual APR based on collateral, term, and credit history. $100 doc prep fee included in APR calculations. Rates subject to change without notice. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.29% | 2023+ model years; no payments for 60 days. Other terms and rates available. |
Sources (1)
- smwfcu.com/rates.html · captured Oct 16, 2026
New Motorcycles
Loan rates disclosed are the lowest available, subject to credit history, collateral, term, checking account with direct deposit and automatic payment. A $100 doc prep fee is included in APR calculations. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74% | Stated rate is for 36 month term. 2023 - 2026 model years. |
Refinance Auto Loans
Refinanced vehicle must be titled in the borrower’s name and currently financed with another lender. Vehicles already financed with SMW Financial Credit Union do not qualify. Rate is based on creditworthiness, loan amount, term, and vehicle eligibility. Membership eligibility required. Federally insured by NCUA.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.29% | Rate as low as 4.29% APR is available for qualified borrowers on auto loan refinances with terms up to 36 months. Flexible terms up to 84 months available. |
Used Auto Loans
Rates are listed as low as. The actual Annual Percentage Rate (APR%) will be based on the collateral, term and credit history of the borrower. A $100 doc prep fee is included in the APR calculations. Membership eligibility required. Federally insured by NCUA.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.79% | 2018 - 2022 model years. Other terms and rates available. |
Sources (1)
- smwfcu.com/rates.html · captured Oct 16, 2026
Used Motorcycles
Loan rates disclosed are the lowest available, subject to credit history, collateral, term, checking account with direct deposit and automatic payment. A $100 doc prep fee is included in APR calculations. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.24% | 36 month term. 2018 - 2022 model years. Other rates and terms available. |
Who can join SMW Financial 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 available to anyone who lives, works, worships, attends school, or volunteers in Anoka, Hennepin, Ramsey, or Washington Counties.
Membership information collected October 4, 2026.