Credit union · NCUA insured
St. Paul Federal Credit Union Auto Loan Rates
Top CarrotSt. Paul Federal Credit Union auto loans start at 4.29% APR for a new vehicle and 4.29% for a used one. Rates checked October 16, 2026.
How St. Paul Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where St. Paul Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
St. Paul Federal Credit Union
4.29%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Model Years – LESS than 8 years old
Lowest rate
Magnifi Financial
3.99%APR
- Terms
- —
- Discount
- Included in the rate
3rd-lowest rate
SMW Financial Credit Union
4.29%APR
- Terms
- —
- Discount
- None included
St. Paul Federal Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.29%
- Used vehicleUsed4.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where St. Paul Federal 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 Model Years – LESS than 8 years old
Same rate tiers for new and used vehicles up to 8 years old. Rates and terms are based on an individual's creditworthiness, age of collateral, and terms of the loan. Rates quoted reflect borrowers with exceptional credit history. All loans subject to credit approval. Membership qualifications apply (requires a $5 membership share account). Maximum APR is 18.00%. Financing up to retail value available.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 4.29% | Lowest Annual Percentage Rate (APR). Based on creditworthiness and term. |
| up to 24 months | 4.29% | Lowest Annual Percentage Rate (APR). Based on creditworthiness and term. |
| up to 36 months | 4.29% | Lowest Annual Percentage Rate (APR). Based on creditworthiness and term. |
| up to 48 months | 4.29% | Lowest Annual Percentage Rate (APR). Based on creditworthiness and term. |
| up to 60 months | 4.29% | Lowest Annual Percentage Rate (APR). Based on creditworthiness and term. |
| up to 72 months | 4.29% | Lowest Annual Percentage Rate (APR). Based on creditworthiness and term. |
| up to 84 months | 6.29% | Lowest Annual Percentage Rate (APR). Based on creditworthiness and term. |
Auto Model Years – MORE than 8 years old
Special financing for vehicles over 8 years old and classic vehicles. Rates and terms are based on an individual's creditworthiness, age of collateral, and terms of the loan. Rates quoted reflect borrowers with exceptional credit history. All loans subject to credit approval. Membership qualifications apply (requires a $5 membership share account). Maximum APR is 18.00%. Financing up to retail value available.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 11.50% | Lowest Annual Percentage Rate (APR). Based on creditworthiness and term. |
| up to 24 months | 11.50% | Lowest Annual Percentage Rate (APR). Based on creditworthiness and term. |
| up to 36 months | 11.50% | Lowest Annual Percentage Rate (APR). Based on creditworthiness and term. |
| up to 48 months | 11.50% | Lowest Annual Percentage Rate (APR). Based on creditworthiness and term. |
| up to 60 months | 11.50% | Lowest Annual Percentage Rate (APR). Based on creditworthiness and term. |
| up to 72 months | 11.50% | Lowest Annual Percentage Rate (APR). Based on creditworthiness and term. |
Who can join St. Paul Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons living, working, worshipping, or doing business in St. Paul or downtown Minneapolis qualify for membership.
Employers and groups
- Membership is open to Local 110 Electricians.
Military, government and schools
- Membership is open to United States Federal Employees.
Family and household
- Families of Local 110 Electricians and United States Federal Employees qualify for membership.
Membership information collected October 4, 2026.