What is the typical credit union auto loan rate in Minnesota?

The median new auto loan rate Minnesota credit unions reported on their Q2 2026 call reports was 5.49%, and the median used auto rate was 6.00%. Nationally the medians were 5.46% and 6.32%.

Are these the rates I will get?

No. Each is the rate a credit union entered for that loan type on its call report to NCUA. Your rate depends on your credit, the term, the collateral and the date, and you have to be eligible to join. Use these to see who prices low, then check the credit union's own rate sheet.

Q2 2026 call reports

Credit union loan rates in Minnesota

Minnesota credit unions reported a median new auto loan rate of 5.49% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Northridge Community Credit Union reported the lowest, 3.50%.

These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.

Loan	Minnesota median	US median
New auto	5.49%	5.46%
Used auto	6.00%	6.32%
Credit card	11.90%	11.50%
Personal	11.77%	11.75%
Mortgage	6.00%	5.75%
Home equity	6.75%	6.75%

Lowest credit card rate reported in Minnesota: NSP Credit Union, 7.90%. Lowest first mortgage rate: Associated Healthcare Credit Union, 3.28%. (Same size rules as the national rankings.)

Every Minnesota credit union's reported rates

All 80 Minnesota credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.

Credit union	New auto	Used auto	Credit card	Personal	Mortgage	Home equity
TruStone Financial Credit Union	5.30%	5.67%	13.45%	12.67%	6.68%	7.11%
Affinity Plus Federal Credit Union	5.49%	6.24%	18.00%	9.74%	6.13%	7.24%
Blaze Credit Union	4.49%	4.49%	17.15%	9.99%	3.99%	3.99%
Magnifi Financial Credit Union	5.74%	7.24%	16.50%	13.00%	6.38%	6.38%
Mayo Employees Federal Credit Union	4.89%	4.99%	10.75%	11.90%	6.50%	6.75%
City & County Credit Union	5.75%	6.00%	14.50%	10.49%	6.38%	7.24%
Members Cooperative Credit Union	5.09%	4.99%	13.75%	11.04%	7.50%	7.50%
Topline Financial Credit Union	6.23%	6.55%	13.26%	11.93%	5.65%	7.05%
Ideal Credit Union	4.59%	5.49%	14.75%	–	4.88%	3.49%
Mid Minnesota Federal Credit Union	4.94%	5.69%	10.99%	12.84%	6.22%	6.78%
Southpoint Financial Credit Union	5.35%	6.26%	16.50%	13.20%	6.21%	6.56%
Minnco Credit Union	5.24%	5.49%	9.90%	10.49%	6.25%	6.75%
St. Cloud Financial Credit Union	4.99%	4.99%	9.99%	9.99%	5.50%	6.00%
Co-Op Credit Union of Montevideo	6.20%	7.20%	18.00%	12.25%	7.25%	8.25%
Trustar Federal Credit Union	5.49%	5.99%	14.25%	18.00%	6.75%	7.25%
My Credit Union	5.74%	5.74%	9.90%	15.00%	6.25%	8.50%
Sharepoint Credit Union	5.24%	5.49%	11.65%	11.49%	6.99%	7.24%
First Alliance Credit Union	5.49%	6.99%	13.35%	10.54%	6.33%	7.24%
Centricity Credit Union	7.74%	7.99%	–	12.99%	6.38%	7.24%
Minnesota Valley Federal Credit Union	4.74%	4.99%	11.24%	12.90%	6.12%	7.50%
Greater Community Credit Union	5.50%	6.00%	6.90%	10.00%	6.40%	7.40%
Home Town Federal Credit Union	6.35%	7.48%	10.90%	12.18%	5.16%	6.83%
North Shore Federal Credit Union	5.75%	5.75%	9.99%	9.99%	6.25%	6.25%
St. Paul Federal Credit Union	4.29%	4.29%	10.90%	12.50%	6.25%	7.25%
Building Trades Federal Credit Union	4.78%	5.20%	14.50%	11.78%	7.82%	7.46%
Novation Credit Union	5.13%	6.25%	11.24%	10.60%	3.69%	6.75%
Expedition Credit Union	5.74%	6.74%	12.65%	12.99%	3.98%	7.00%
Accentra Credit Union	4.99%	5.74%	15.90%	10.90%	5.25%	1.99%
Red Wing Credit Union	6.29%	6.92%	10.96%	13.40%	4.56%	6.60%
South Metro Federal Credit Union	6.29%	6.67%	12.86%	10.50%	5.13%	7.17%
Associated Healthcare Credit Union	5.71%	6.55%	12.49%	11.41%	3.28%	6.62%
Northwoods Credit Union	6.16%	7.63%	10.72%	12.82%	5.96%	7.94%
Heartland Credit Union	5.19%	5.69%	11.90%	11.49%	6.13%	6.49%
Minnesota Power Employees Credit Union	6.30%	6.74%	8.57%	9.70%	5.71%	6.56%
Harbor Pointe Credit Union	4.74%	4.74%	14.25%	11.23%	5.25%	7.50%
Leading Edge Credit Union	5.99%	5.99%	15.00%	11.48%	6.00%	6.75%
Brainerd B. N. Credit Union	4.59%	4.69%	–	11.00%	5.49%	5.49%
Crow Wing Power Credit Union	3.89%	3.89%	–	11.75%	5.49%	5.49%
Northern Communities Credit Union	6.39%	9.96%	11.83%	12.56%	4.61%	6.40%
Two Harbors Federal Credit Union	5.53%	5.77%	9.90%	9.52%	5.51%	5.79%
North Star Credit Union	4.84%	7.38%	14.00%	12.00%	7.32%	6.80%
Northridge Community Credit Union	3.50%	6.75%	17.50%	16.00%	8.00%	17.50%
Hibbing Cooperative Credit Union	4.59%	5.49%	12.90%	12.00%	5.49%	5.99%
SMW Financial Credit Union	4.29%	4.79%	12.99%	12.99%	7.37%	6.75%
Ely Area Credit Union	5.00%	5.00%	10.90%	10.00%	6.00%	5.50%
Federated Employees Credit Union	4.80%	5.63%	–	11.80%	5.05%	6.41%
Embarrass Vermillion Federal Credit Union	5.63%	6.40%	9.90%	9.22%	5.97%	–
United Employees Credit Union	4.90%	4.90%	13.90%	13.90%	–	5.39%
Share Advantage Credit Union	6.04%	7.18%	19.29%	12.65%	5.31%	6.98%
Pipefitters-Steamfitters Credit Union	6.25%	6.50%	14.25%	7.75%	6.75%	7.75%
North Memorial Federal Credit Union	4.49%	4.99%	9.90%	12.99%	3.50%	6.50%
Virginia Coop Credit Union	5.49%	5.49%	9.99%	10.49%	5.49%	8.49%
Wakota Federal Credit Union	5.99%	6.97%	–	11.50%	6.25%	6.30%
Carpenters Federal Credit Union	5.35%	6.16%	–	10.50%	4.57%	–
West Metro Schools Credit Union	5.64%	6.47%	11.00%	12.10%	7.05%	8.55%
Toro Employees Federal Credit Union	6.09%	8.01%	–	13.24%	3.65%	6.80%
Minnesota Catholic Credit Union	6.21%	8.30%	10.71%	13.08%	5.04%	7.07%
NSP Credit Union	6.00%	6.50%	7.90%	11.50%	4.00%	7.50%
Deer River Cooperative Credit Union	4.25%	5.00%	9.60%	14.00%	9.00%	9.00%
Trades & Labor Federal Credit Union	5.28%	6.45%	8.96%	11.70%	6.30%	6.30%
Farm Credit Employees Federal Credit Union	4.89%	7.25%	–	12.75%	6.99%	6.00%
Teamsters Credit Union	6.34%	7.88%	–	14.71%	–	6.98%
Mower County Employees Credit Union	5.69%	7.10%	–	10.97%	4.54%	6.06%
Metropolitan Services Credit Union	5.49%	5.99%	–	9.49%	4.03%	8.00%
Austin City Employees Credit Union	5.00%	5.25%	9.99%	10.00%	6.00%	6.00%
Alexandria Schools Employees Credit Union	5.25%	5.33%	–	10.87%	5.13%	5.13%
First Pace Credit Union	6.05%	5.97%	–	13.01%	–	5.47%
Electric Machinery Employees Credit Union	4.99%	5.29%	12.75%	9.49%	5.39%	5.39%
Riverview Credit Union	4.99%	6.49%	–	13.00%	5.00%	5.50%
Duluth Police Department Employees Credit Union	5.79%	5.99%	–	10.09%	–	–
Duluth Fire Department Credit Union	5.76%	6.04%	–	9.99%	–	–
Red Lake Co Op Federal Credit Union	4.79%	6.05%	–	12.01%	6.95%	6.25%
Mower County Catholic Parishes Credit Union	5.50%	6.59%	–	10.67%	–	–
Latvian Credit Union	5.49%	5.49%	–	10.25%	6.75%	6.75%
Ziegler Federal Credit Union	5.25%	6.75%	–	15.00%	–	–
Fairmont School Employees Federal Credit Union	6.45%	7.65%	–	14.50%	–	–
Transit Operations Federal Credit Union	13.50%	13.50%	–	10.09%	–	–
Tribe Federal Credit Union	–	6.00%	–	14.00%	–	–
Danfoss Employees Credit Union	5.65%	5.91%	–	12.50%	–	7.00%
Arise Community Credit Union	–	6.74%	–	–	–	–

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Minnesota credit unions · Lowest rates nationally