Credit union · NCUA insured
Superior Choice Credit Union Auto Loan Rates
Superior Choice Credit Union auto loan rates start at 3.99% APR. Rates checked October 16, 2026.
How Superior Choice Credit Union’s auto loan rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Superior Choice Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Superior Choice Credit Union
– –
- Terms
- —
No ongoing APR published
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
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
Up to 125% MSRP including taxes, license, warranties, and all other adds. Flexible terms up to 84 months available. Posted rates are for 36-month terms and include a 0.25% APR discount for enrollment in automatic payments from a Superior Choice Credit Union account. Rates vary based on credit history, down payment, and loan term. Membership eligibility required. All loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | New Auto (never titled). Up to 125% MSRP including taxes, license, warranties, and all other adds. Posted rate is for loans with 36-month terms and includes a 0.25% APR discount for enrollment in automatic payments from a Superior Choice Credit Union account. |
| up to 36 months | 4.99% | Used Auto Model Year 2022-2026. Up to 125% MSRP including taxes, license, warranties, and all other adds. Promo rate available to A+ Tier borrowers only with a maximum 80% LTV, collateral age of 4 years or newer, and maximum mileage of 100,000 miles. Promotion only eligible for loans previously held outside of Superior Choice Credit Union. Posted rate is for loans with 36-month terms and includes a 0.25% APR discount for enrollment in automatic payments from a Superior Choice Credit Union account. |
| up to 36 months | 5.99% | Used Auto Model Year 2020-2021. Up to 125% MSRP including taxes, license, warranties, and all other adds. Posted rate is for loans with 36-month terms and includes a 0.25% APR discount for enrollment in automatic payments from a Superior Choice Credit Union account. |
| up to 36 months | 6.99% | Used Auto Model Year 2016-2019. Up to 125% MSRP including taxes, license, warranties, and all other adds. Posted rate is for loans with 36-month terms and includes a 0.25% APR discount for enrollment in automatic payments from a Superior Choice Credit Union account. |
Sources (1)
- superiorchoice.com/loans/auto-loans · captured Oct 5, 2026
Who can join Superior Choice 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 employed or living in designated counties in Wisconsin (Ashland, Barron, Bayfield, Burnett, Clark, Chippewa, Douglas, Dunn, Eau Claire, Iron, Rusk, Sawyer, Taylor, Washburn) or Minnesota (Carlton, Itasca, St. Louis) are eligible for membership.
Military, government and schools
- Members of various local schools are eligible for membership.
Other ways
- Depositors or borrowers of Dairyland State Bank obtained in the purchase and assumption transaction effective August 31, 2018 are eligible for membership.
Cost to join
- A share account of $5 must be established and maintained at all times to enjoy membership benefits.
Membership information collected October 5, 2026.