Credit union · NCUA insured
TruStone Financial Auto Loan Rates
Top CarrotTruStone Financial auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How TruStone Financial’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where TruStone Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
TruStone Financial
5.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans - Model Year 2023+
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
TruStone Financial auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TruStone Financial 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 Loans - Model Year 2022 & Older
TruStone Financial membership required. Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Actual rate for all loans based on an evaluation of applicant's credit, payment history, income and length of employment. Minimum loan amount of $5,000 required. Current TruStone auto loans are eligible for refinance with a minimum of $5,000 in additional disbursements. Other terms and conditions apply. Full insurance coverage (comprehensive and collision) required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Minimum loan amount of $5,000 required. |
| up to 48 months | 5.49% | Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Minimum loan amount of $5,000 required. |
| up to 60 months | 5.49% | Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Minimum loan amount of $5,000 required. |
| up to 72 months | 5.74% | Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Minimum loan amount of $5,000 required. |
Sources (1)
- trustonefinancial.org/rates/rates-loans · captured Oct 16, 2026
Auto Loans - Model Year 2023+
TruStone Financial membership required. Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Actual rate for all loans based on an evaluation of applicant's credit, payment history, income and length of employment. Minimum loan amount of $5,000 required. Current TruStone auto loans are eligible for refinance with a minimum of $5,000 in additional disbursements. Other terms and conditions apply. Full insurance coverage (comprehensive and collision) required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Minimum loan amount of $5,000 required. |
| up to 48 months | 5.24% | Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Minimum loan amount of $5,000 required. |
| up to 60 months | 5.24% | Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Minimum loan amount of $5,000 required. |
| up to 72 months | 5.49% | Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Minimum loan amount of $5,000 required. |
| up to 84 months | 5.54% | Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Minimum loan amount of $5,000 required. |
Sources (1)
- trustonefinancial.org/rates/rates-loans · captured Oct 16, 2026
Who can join TruStone Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in designated Minnesota counties or reside in the Community of Atwater are eligible for membership.
- Individuals who live, work, worship, volunteer, or attend school in eligible Wisconsin counties (or reside/work in Milwaukee County) qualify for membership.
Employers and groups
- Employees, retirees, or members of designated employer and community partner organizations are eligible for membership.
Military, government and schools
- Affiliation with specified educational communities, schools, school districts, or associations grants membership eligibility.
Membership information collected October 4, 2026.