Credit union · NCUA insured
WESTconsin Credit Union Auto Loan Rates
Top CarrotWESTconsin 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 WESTconsin Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where WESTconsin Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
WESTconsin Credit Union
5.24%APR
- Terms
- up to 60 months
- Discount
- None included
Secured Vehicles | 2022 and Newer
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
WESTconsin Credit Union auto loan score
79
Auto loan score
Higher than 48% 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 WESTconsin 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.
Secured Vehicles | 2017 and Older
Rates shown based on Gold MVP level, A+ credit score, and loan term. 100% financing available. No prepayment penalties. 0.50% Gold or 0.25% Silver discount determined by Membership Value Pricing (MVP) program status.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.49% | Monthly payment of $45.00 per $1,000 borrowed. |
| up to 36 months | 7.74% | Monthly payment of $31.22 per $1,000 borrowed. |
| up to 48 months | 7.99% | Monthly payment of $24.41 per $1,000 borrowed. |
| up to 60 months | 8.24% | Monthly payment of $20.40 per $1,000 borrowed. |
Sources (2)
All captured Oct 7, 2026
Secured Vehicles | 2018 - 2021
Rates shown based on Gold MVP level, A+ credit score, and loan term. 100% financing available. No prepayment penalties. 0.50% Gold or 0.25% Silver discount determined by Membership Value Pricing (MVP) program status.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.49% | Monthly payment of $44.09 per $1,000 borrowed. |
| up to 36 months | 5.74% | Monthly payment of $30.31 per $1,000 borrowed. |
| up to 48 months | 5.99% | Monthly payment of $23.48 per $1,000 borrowed. |
| up to 60 months | 6.24% | Monthly payment of $19.45 per $1,000 borrowed. |
| up to 72 months | 6.49% | Term is subject to creditworthiness. Monthly payment of $16.81 per $1,000 borrowed. |
Sources (2)
All captured Oct 7, 2026
Secured Vehicles | 2022 and Newer
Rates shown based on Gold MVP level, A+ credit score, and loan term. 100% financing available. No prepayment penalties. 0.50% Gold or 0.25% Silver discount determined by Membership Value Pricing (MVP) program status.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.49% | Monthly payment of $43.65 per $1,000 borrowed. |
| up to 36 months | 4.74% | Monthly payment of $29.86 per $1,000 borrowed. |
| up to 48 months | 4.99% | Monthly payment of $23.03 per $1,000 borrowed. |
| up to 60 months | 5.24% | Monthly payment of $18.99 per $1,000 borrowed. |
| up to 72 months | 5.49% | Monthly payment of $16.34 per $1,000 borrowed. |
| up to 84 months | 5.74% | Term is subject to creditworthiness. Monthly payment of $14.49 per $1,000 borrowed. |
Sources (2)
All captured Oct 7, 2026
Who can join WESTconsin Credit Union
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