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Credit union · NCUA insured

Transit Operations Federal Credit Union Auto Loan Rates

Transit Operations Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.

How Transit Operations Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Minneapolis, MN-WI, where Transit Operations Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • This credit union’s lowest

    Transit Operations Federal Credit Union

    5.25%APR

    Terms
    —
    Discount
    None included

    Vehicle Loans

  • Top Carrot, Carrot Score 91

    Lowest rate

    Magnifi Financial

    3.99%APR

    Terms
    —
    Discount
    Included in the rate

    Magnifi Financial rates

  • Top Carrot, Carrot Score 93

    2nd-lowest rate

    St. Paul Federal Credit Union

    4.29%APR

    Terms
    up to 60 months
    Discount
    None included

    St. Paul Federal Credit Union rates

Compare auto loan rates near you →

Transit Operations Federal Credit Union auto loan score

77

Auto loan score

Higher than 44% of U.S. banks and credit unions

By vehicle
  • New vehicleNew5.25%
  • Used vehicleUsed5.25%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Transit Operations 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.

Who can join Transit Operations Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Members of Amalgamated Transit Union Local #1005 are eligible for membership.
  • Employees of the St. Paul Greyhound Bus Depot are eligible for membership.
  • Employees of the North Oaks Golf Club are eligible for membership.
  • Members of TMSA are eligible for membership.

Military, government and schools

  • Employees of the Transportation Division of the Metropolitan Council, St Paul, MN are eligible for membership.

Family and household

  • Immediate family members of individuals eligible for membership are eligible to join.
2 more ways to join

Family and household

  • Household members are welcome to join.

Other ways

  • Retirees who are pensioners or annuitants of qualifying employer groups or associations are eligible for membership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
← Transit Operations Federal Credit Union overview