Credit union · NCUA insured
West Metro Schools Credit Union Auto Loan Rates
West Metro Schools Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How West Metro Schools Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where West Metro Schools Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
West Metro Schools Credit Union
5.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Vehicle Loans
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
West Metro Schools Credit Union auto loan score
69
Auto loan score
Higher than 25% 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 West Metro Schools 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.
Vehicle Loans
Rates effective 9/17/2026. Annual Percentage Rates include 0.50% discount for AutoPay. Rates based on credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Vehicles 2022 or newer. Rates based on credit score. Rate includes 0.50% discount for AutoPay. |
| up to 48 months | 4.99% | Vehicles 2022 or newer. Rates based on credit score. Rate includes 0.50% discount for AutoPay. |
| up to 60 months | 5.24% | Vehicles 2022 or newer. Rates based on credit score. Rate includes 0.50% discount for AutoPay. |
| up to 72 months | 5.49% | Vehicles 2022 or newer. Rates based on credit score. Rate includes 0.50% discount for AutoPay. |
| up to 36 months | 5.40% | Vehicles 2017 to 2021. Rates based on credit score. Rate includes 0.50% discount for AutoPay. |
| up to 48 months | 5.90% | Vehicles 2017 to 2021. Rates based on credit score. Rate includes 0.50% discount for AutoPay. |
| up to 60 months | 6.40% | Vehicles 2017 to 2021. Rates based on credit score. Rate includes 0.50% discount for AutoPay. |
| up to 36 months | 7.40% | Vehicles 2016 and older. Rates based on credit score. Rate includes 0.50% discount for AutoPay. |
Sources (1)
- westmetroschoolscu.org/resources/rates-and-fees · captured Oct 7, 2026
Who can join West Metro Schools Credit Union
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