Credit union · NCUA insured
Wakota Federal Credit Union Auto Loan Rates
Wakota Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Wakota Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Wakota Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Wakota Federal Credit Union
5.49%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loan
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
Wakota Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wakota 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 Loan
Terms quoted are average terms, up to 84 months is available depending on year of collateral and amount of loan for an increased rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Model years 2021 and newer. APR as low as. |
| up to 48 months | 4.99% | Model years 2021 and newer. APR as low as. |
| up to 60 months | 5.49% | Model years 2021 and newer. APR as low as. |
| up to 72 months | 5.74% | Model years 2021 and newer. APR as low as. |
| up to 84 months | 5.99% | Model years 2021 and newer. APR as low as. |
| up to 36 months | 6.24% | Model years 2020 and older. APR as low as. |
| up to 48 months | 6.49% | Model years 2020 and older. APR as low as. |
| up to 60 months | 6.99% | Model years 2020 and older. APR as low as. |
| up to 72 months | 7.24% | Model years 2020 and older. APR as low as. |
| up to 84 months | 7.49% | Model years 2020 and older. APR as low as. |
Sources (1)
- wakotafcu.org/personal-loans · captured Oct 16, 2026
Who can join Wakota Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.