Credit union · NCUA insured
St. Cloud Financial Credit Union Auto Loan Rates
St. Cloud Financial Credit Union auto loans start at 4.81% APR for a new vehicle and 5.31% for a used one. Rates checked October 16, 2026.
How St. Cloud Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near St. Cloud, MN, where St. Cloud Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
St. Cloud Financial Credit Union
4.81%APR
- Terms
- —
- Discount
- None included
New and Used Cars & Trucks (2024 & Newer)
Lowest rate
Magnifi Financial
3.99%APR
- Terms
- —
- Discount
- Included in the rate
2nd-lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
St. Cloud Financial Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.81%
- Used vehicleUsed5.31%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where St. Cloud 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 and Used Cars & Trucks (2024 & Newer)
Membership qualification is required. Rates assume a 0.25% discount for active checking account with SCFCU. Rate discount does not apply to promotional rates. Loan documentation fee applies ($85 example). Up to 125% financing available. Rate based on creditworthiness, term, collateral, and fees.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.81% | Rates as low as 4.24% (APR as low as 4.807%). Assumes 0.25% discount for active checking account. Rate based on creditworthiness. Minimum APR loan payment example: $10,000 for 36 months with $85 doc fee has 4.807% APR. Max term varies based on credit score and loan amount. |
Sources (1)
- scfcu.org/rates-fees · captured Oct 5, 2026
Used Cars & Trucks (2017 & Older)
Membership qualification is required. Rates assume a 0.25% discount for active checking account with SCFCU. Rate discount does not apply to promotional rates. Loan documentation fee applies ($85 example). Up to 125% financing available. Rate based on creditworthiness, term, collateral, and fees.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.32% | Rates as low as 6.74% (APR as low as 7.316%). Assumes 0.25% discount for active checking account. Rate based on creditworthiness. Minimum APR loan payment example: $10,000 for 36 months with $85 doc fee has 7.316% APR. Max term varies based on credit score and loan amount. |
Sources (1)
- scfcu.org/rates-fees · captured Oct 5, 2026
Used Cars & Trucks (2018-2023)
Membership qualification is required. Rates assume a 0.25% discount for active checking account with SCFCU. Rate discount does not apply to promotional rates. Loan documentation fee applies ($85 example). Up to 125% financing available. Rate based on creditworthiness, term, collateral, and fees.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.31% | Rates as low as 4.74% (APR as low as 5.309%). Assumes 0.25% discount for active checking account. Rate based on creditworthiness. Minimum APR loan payment example: $10,000 for 36 months with $85 doc fee has 5.309% APR. Max term varies based on credit score and loan amount. |
Sources (1)
- scfcu.org/rates-fees · captured Oct 5, 2026
Who can join St. Cloud 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 open to anyone who lives, works, worships, or attends school in Stearns, Benton, Sherburne, Wright, Meeker, Kandiyohi, and Morrison counties.
Other ways
- Membership is open to individuals regardless of location who donate to the TriUnity Foundation.
Membership information collected October 4, 2026.