Auto Loan Rates in Owatonna, Minnesota (MN) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Owatonna, Minnesota. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Owatonna, Minnesota include Federated Employees Credit UnionFederated Employees Credit Union1929 S Cedar Ave, Owatonna, MN, 55060 4301A+5.0 ★Texas Ratio: 1.36% offering Auto Loan 36-Month 2025 and newer at 4.00%, Hometown Federal Credit UnionHometown Federal Credit Union2400 W Bridge St, Owatonna, MN, 55060 5003A+5.0 ★Texas Ratio: 3.06% offering New Auto/Truck/Van at 5.00%, Carpenters Federal Credit UnionCarpenters Federal Credit UnionA+5.0 ★Texas Ratio: 1.73% offering 2022 - 2026 New & Used Vehicles Loan at 4.04%, Unity One Credit UnionUnity One Credit UnionA+5.0 ★Texas Ratio: 3.61% offering Auto Loan at 4.49%, My Credit Union Bloomington, MNMy Credit Union Bloomington, MNA5.0 ★Texas Ratio: 7.51% offering Auto Loan at 4.49%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Owatonna has 2 local institutions in our database, with auto loan rates as low as 4.00% APR from Federated Employees Credit Union at 1929 S Cedar Ave, Owatonna, MN, 55060 4301. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Owatonna, Minnesota. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Owatonna, Minnesota & Surrounding Area
Owatonna Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 36-Month 2025 and newer
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 36-Month 2024
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 48-Month 2025 and newer
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 36-Month 2022 to 2023
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 48-Month 2024
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 60-Month 2025 and newer
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 48-Month 2022 to 2023
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 60-Month 2024
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJul 16, 2026
Details
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
New Auto/Truck/Van
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 36-Month 2018 to 2021
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 60-Month 2022 to 2023
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 48-Month 2018 to 2021
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 60-Month 2018 to 2021
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 36-Month 2017 or older
5.75%
36 months
▼
APR5.75%
Term36 months
Last UpdatedJul 16, 2026
Details
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2020-2025
5.95%
60 months
▼
APR5.95%
Term60 months
Last UpdatedJul 15, 2026
Details
as low as
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 48-Month 2017 or older
6.00%
48 months
▼
APR6.00%
Term48 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 60-Month 2017 or older
6.25%
60 months
▼
APR6.25%
Term60 months
Last UpdatedJul 16, 2026
Details
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2015-2019
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedJul 15, 2026
Details
as low as
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2007-2014
9.00%
48 months
▼
APR9.00%
Term48 months
Last UpdatedJul 15, 2026
Details
as low as
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2000-2006
10.75%
36 months
▼
APR10.75%
Term36 months
Last UpdatedJul 15, 2026
Details
as low as
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 1999 & Older
12.50%
24 months
▼
APR12.50%
Term24 months
Last UpdatedJul 15, 2026
Details
as low as
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2022 - 2026 New & Used Vehicles Loan
4.04%
36 months
▼
APR4.04%
Term36 months
Last UpdatedJul 15, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Auto Loan
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
New and Used Models 2020 and Newer;*
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Auto Loan
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedJul 16, 2026
Details
As Low As; .25% APR discount for members with an active MY CREDIT UNION Checking Account or Rewards Visa Card; For Loans being refinanced and brought to MY CREDIT UNION - we will cover the MN title transfer fee; Loans subject to approval; Rates subject to change. APR = Annual Percentage Rate. Visit www.mymncu.org for the latest rate information.
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Autos 2022-newer
4.49%
36 mo.
▼
APR4.49%
Term36 mo.
Last UpdatedJul 16, 2026
Details
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Vehicle Loans 2024 or newer
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Autos, SUVs, Pickup Trucks 2022 to New
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Actual rate based on applicant's credit history.
APR4.54%
Term24 Month
Last UpdatedJul 16, 2026
Details
2023 & Newer Vehicles
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Auto Loan
4.59%
Up to 36 months
▼
APR4.59%
TermUp to 36 months
Last UpdatedJul 16, 2026
Details
2022 and newer**
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Auto Loans - Model Year 2023+
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2021 and Newer
4.74%
36 month term
▼
APR4.74%
Term36 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $29.85
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Autos, SUVs, Pickup Trucks 2022 to New
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJul 16, 2026
Details
Actual rate based on applicant's credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto Loans
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedJul 16, 2026
Details
As Low As; Loan rates given are Annual Percentage Rates (APR). All rates and terms are effective as of April 20, 2026, and are subject to change without notice. Your actual loan rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at NCCYou is required.
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Auto Loan
4.79%
Up to 48 months
▼
APR4.79%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
2022 and newer**
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Auto Loans
4.83%
72 Months
▼
APR4.83%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Not all will qualify for lowest rate.
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 61-72 Months
4.83%
72 Months
▼
APR4.83%
Term72 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 49-60 Months
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedJul 16, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Autos & Trucks 36 Month Terms
4.87%
36 Month
▼
APR4.87%
Term36 Month
Last UpdatedJul 16, 2026
Details
As Low As
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 36 Months
4.87%
36 Months
▼
APR4.87%
Term36 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 37-48 Months
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 0-36 Months
4.91%
36 Months
▼
APR4.91%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 24 Months
4.94%
24 Months
▼
APR4.94%
Term24 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 48 Months
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Auto Loans - Model Year 2022 & Older
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Auto Loans - Model Year 2023+
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; New Auto 2025 + Newer Only
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
New Auto Loan
4.99%
5 year term
▼
APR4.99%
Term5 year term
Last UpdatedJul 15, 2026
Details
2024 - 2026 model years.
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2021 and Newer
4.99%
48 month term
▼
APR4.99%
Term48 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $23.02
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
VEHICLE LOANS
4.99%
Up to 48 MONTHS
▼
APR4.99%
TermUp to 48 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2024 - 2025
4.99%
60 - 72 Month
▼
APR4.99%
Term60 - 72 Month
Last UpdatedJul 16, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Vehicle 2023-Newer Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Autos 2022-newer
4.99%
48 mo.
▼
APR4.99%
Term48 mo.
Last UpdatedJul 16, 2026
Details
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Vehicle Loans 2024 or newer
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJul 16, 2026
Details
As Low As
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Autos, SUVs, Pickup Trucks 2022 to New
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJul 16, 2026
Details
Actual rate based on applicant's credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2017-2021 New & Used Vehicles Loan
5.04%
36 months
▼
APR5.04%
Term36 months
Last UpdatedJul 15, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2022 - 2026 New & Used Vehicles Loan
5.04%
48-60 months
▼
APR5.04%
Term48-60 months
Last UpdatedJul 15, 2026
Details
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Auto Loan
5.04%
Up to 60 months
▼
APR5.04%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
2022 and newer**
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 72 Months
5.06%
72 Months
▼
APR5.06%
Term72 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 60 Months
5.07%
60 Months
▼
APR5.07%
Term60 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Auto Loan
5.09%
Up to 48 Months
▼
APR5.09%
TermUp to 48 Months
Last UpdatedJul 11, 2026
Details
New and Used Models 2020 and Newer;*
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
VEHICLE LOANS
5.09%
Up to 60 MONTHS
▼
APR5.09%
TermUp to 60 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 12 Months
5.11%
12 Months
▼
APR5.11%
Term12 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 36 Months
5.12%
36 Months
▼
APR5.12%
Term36 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Auto Loan
5.14%
Up to 36 months
▼
APR5.14%
TermUp to 36 months
Last UpdatedJul 16, 2026
Details
2021 and older
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
New Auto Loan
5.19%
6 year term
▼
APR5.19%
Term6 year term
Last UpdatedJul 15, 2026
Details
2024 - 2026 model years.
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
VEHICLE LOANS
5.19%
72 MONTHS
▼
APR5.19%
Term72 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 24 Months
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 48 Months
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 84 Months
5.20%
84 Months
▼
APR5.20%
Term84 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Auto Loans - Model Year 2022 & Older
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Auto Loans - Model Year 2023+
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
Used Auto Loan
5.24%
5 year term
▼
APR5.24%
Term5 year term
Last UpdatedJul 15, 2026
Details
2020 - 2023 model years.
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Auto Loan
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedJul 16, 2026
Details
2022 and newer**
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Autos 2022-newer
5.24%
60 mo.
▼
APR5.24%
Term60 mo.
Last UpdatedJul 16, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle 2016-2022 Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Autos, SUVs, Pickup Trucks 2021 and Older
5.25%
36 months
▼
APR5.25%
Term36 months
Last UpdatedJul 16, 2026
Details
Actual rate based on applicant's credit history.
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Auto Loan
5.29%
Up to 66 Months
▼
APR5.29%
TermUp to 66 Months
Last UpdatedJul 11, 2026
Details
New and Used Models 2022 and Newer;*
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Auto Loans - Model Year 2023+
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
VEHICLE LOANS
5.29%
84 MONTHS
▼
APR5.29%
Term84 MONTHS
Last UpdatedJul 15, 2026
Details
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Auto Loan
5.29%
Up to 48 months
▼
APR5.29%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
2021 and older
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 72 Months
5.31%
72 Months
▼
APR5.31%
Term72 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 60 Months
5.32%
60 Months
▼
APR5.32%
Term60 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 12 Months
5.36%
12 Months
▼
APR5.36%
Term12 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Auto Loans - Model Year 2022 & Older
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2021 and Newer
5.49%
60 month term
▼
APR5.49%
Term60 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $19.10
Anoka Hennepin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Auto Loan
5.49%
up to 48 months
▼
APR5.49%
Termup to 48 months
Last UpdatedJul 16, 2026
Details
As Low As
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2021 & Newer
5.49%
60 Months or Less
▼
APR5.49%
Term60 Months or Less
Last UpdatedJul 16, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2021 - 2023
5.49%
60 Month
▼
APR5.49%
Term60 Month
Last UpdatedJul 16, 2026
Details
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Auto Loan
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
2021 and older
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Autos 2022-newer
5.49%
72 mo.
▼
APR5.49%
Term72 mo.
Last UpdatedJul 16, 2026
Details
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Vehicle Loans 2018 - 2023
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Vehicle Loans 2024 or newer
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedJul 16, 2026
Details
As Low As
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Autos, SUVs, Pickup Trucks 2021 and Older
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedJul 16, 2026
Details
Actual rate based on applicant's credit history.
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Autos, SUVs, Pickup Trucks 2022 to New
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedJul 16, 2026
Details
Actual rate based on applicant's credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
Used Auto
5.50%
24 months
▼
APR5.50%
Term24 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Auto Loan
5.59%
Up to 72 months
▼
APR5.59%
TermUp to 72 months
Last UpdatedJul 16, 2026
Details
2021 and older
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 36 Months
5.62%
36 Months
▼
APR5.62%
Term36 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2019 - 2020
5.69%
48 Month
▼
APR5.69%
Term48 Month
Last UpdatedJul 16, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 24 Months
5.69%
24 Months
▼
APR5.69%
Term24 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 48 Months
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2021 and Newer
5.74%
72 month term
▼
APR5.74%
Term72 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $16.45
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Autos 2022-newer
5.74%
84 mo.
▼
APR5.74%
Term84 mo.
Last UpdatedJul 16, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2017-2021
5.74%
36 mo.
▼
APR5.74%
Term36 mo.
Last UpdatedJul 16, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Vehicle 2023-Newer Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle 2016-2022 Loan
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Autos, SUVs, Pickup Trucks 2021 and Older
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedJul 16, 2026
Details
Actual rate based on applicant's credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
Used Auto
5.75%
36 months
▼
APR5.75%
Term36 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Auto Loan
5.79%
Up to 75 Months
▼
APR5.79%
TermUp to 75 Months
Last UpdatedJul 11, 2026
Details
New and Used Models 2022 and Newer;*
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2021 & Newer
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJul 16, 2026
Details
Ideal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Auto Loan
5.79%
Up to 84 months (must be 2022 or newer**)
▼
APR5.79%
TermUp to 84 months (must be 2022 or newer**)
Last UpdatedJul 16, 2026
Details
2022 and newer**
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 72 Months
5.81%
72 Months
▼
APR5.81%
Term72 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 60 Months
5.82%
60 Months
▼
APR5.82%
Term60 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 73-84 Months
5.82%
84 Months
▼
APR5.82%
Term84 Months
Last UpdatedJul 16, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 12 Months
5.86%
12 Months
▼
APR5.86%
Term12 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2021 and Newer
5.99%
84 month term
▼
APR5.99%
Term84 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $14.60
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2017-2021
5.99%
48 mo.
▼
APR5.99%
Term48 mo.
Last UpdatedJul 16, 2026
Details
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Vehicle Loans 2018 - 2023
6.00%
72 months
▼
APR6.00%
Term72 months
Last UpdatedJul 16, 2026
Details
As Low As
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Autos, SUVs, Pickup Trucks 2021 and Older
6.00%
72 months
▼
APR6.00%
Term72 months
Last UpdatedJul 16, 2026
Details
Actual rate based on applicant's credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
Used Auto
6.00%
48 months
▼
APR6.00%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2017-2021 New & Used Vehicles Loan
6.04%
48-60 months
▼
APR6.04%
Term48-60 months
Last UpdatedJul 15, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2022 - 2026 New & Used Vehicles Loan
6.04%
72-84 months
▼
APR6.04%
Term72-84 months
Last UpdatedJul 15, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2021 & Newer
6.09%
120 Months
▼
APR6.09%
Term120 Months
Last UpdatedJul 16, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2018 & Older (Rate +
6.19%
36 Month
▼
APR6.19%
Term36 Month
Last UpdatedJul 16, 2026
Details
$5,000
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2020 and Older
6.24%
36 month term
▼
APR6.24%
Term36 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $30.53
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2017-2021
6.24%
60 mo.
▼
APR6.24%
Term60 mo.
Last UpdatedJul 16, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Vehicle 2023-Newer Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
Used Auto
6.25%
60 months
▼
APR6.25%
Term60 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 36 Months
6.37%
36 Months
▼
APR6.37%
Term36 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 24 Months
6.44%
24 Months
▼
APR6.44%
Term24 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 48 Months
6.44%
48 Months
▼
APR6.44%
Term48 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2020 and Older
6.49%
48 month term
▼
APR6.49%
Term48 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $24.71
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2017-2021
6.49%
72 mo.
▼
APR6.49%
Term72 mo.
Last UpdatedJul 16, 2026
Details
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Vehicle Loans 2017 or older
6.50%
48 months
▼
APR6.50%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Equity Vehicle Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle 2016-2022 Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto
6.50%
84 months
▼
APR6.50%
Term84 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 72 Months
6.56%
72 Months
▼
APR6.56%
Term72 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 60 Months
6.57%
60 Months
▼
APR6.57%
Term60 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 12 Months
6.62%
12 Months
▼
APR6.62%
Term12 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2018 & Older (Rate
6.69%
36 Month
▼
APR6.69%
Term36 Month
Last UpdatedJul 16, 2026
Details
$5,000
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2017-2021
6.74%
84 mo.
▼
APR6.74%
Term84 mo.
Last UpdatedJul 16, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2020 and Older
6.99%
60 month term
▼
APR6.99%
Term60 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $19.80
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Vehicle Loans 2017 or older
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
Used Auto
7.00%
72 months
▼
APR7.00%
Term72 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2013-2016 New & Used Vehicles Loan
7.04%
36-48 months
▼
APR7.04%
Term36-48 months
Last UpdatedJul 15, 2026
Details
*GAP Insurance purchased through the credit union is required
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2017-2021 New & Used Vehicles Loan
7.04%
72-84 months
▼
APR7.04%
Term72-84 months
Last UpdatedJul 15, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2020 and Older
7.24%
72 month term
▼
APR7.24%
Term72 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $17.16
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Autos 2022-newer
7.24%
96 mo.
▼
APR7.24%
Term96 mo.
Last UpdatedJul 16, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Vehicle 2023-Newer Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle 2016-2022 Loan
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
Used Auto
7.25%
84 months
▼
APR7.25%
Term84 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2020 and Older
7.49%
84 month term
▼
APR7.49%
Term84 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $15.33
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2020 & Older
7.49%
72 Months
▼
APR7.49%
Term72 Months
Last UpdatedJul 16, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Equity Vehicle Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2020 & Older
7.99%
120 Months
▼
APR7.99%
Term120 Months
Last UpdatedJul 16, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Older Used Vehicle Loan
8.25%
48 Months
▼
APR8.25%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
Auto Loans
8.74%
60 Months
▼
APR8.74%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Maximum Loan Amount: $40,000.00. A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $20.63 per $1,000 borrowed at 8.74% for 60 months. Maximum Secured Loan $40,000, Maximum aggregate loan amount not to exceed $49,999
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2016 and Older
9.24%
36 mo.
▼
APR9.24%
Term36 mo.
Last UpdatedJul 16, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2016 and Older
9.49%
48 mo.
▼
APR9.49%
Term48 mo.
Last UpdatedJul 16, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2016 and Older
9.74%
60 mo.
▼
APR9.74%
Term60 mo.
Last UpdatedJul 16, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Auto Loan
9.90%
Up to 36 Months
▼
APR9.90%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
Used Models 2019;*
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
Auto Loans
12.49%
48 Months
▼
APR12.49%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Maximum Loan Amount: $40,000.00. A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Maximum total loan aggregate can not exceed $49,999.
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MonitorBankRates
Owatonna New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 36-Month 2025 and newer
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 48-Month 2025 and newer
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedJul 16, 2026
Details
Federated Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Auto Loan 60-Month 2025 and newer
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedJul 16, 2026
Details
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
New Auto/Truck/Van
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2022 - 2026 New & Used Vehicles Loan
4.04%
36 months
▼
APR4.04%
Term36 months
Last UpdatedJul 15, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Autos 2022-newer
4.49%
36 mo.
▼
APR4.49%
Term36 mo.
Last UpdatedJul 16, 2026
Details
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Vehicle Loans 2024 or newer
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Autos, SUVs, Pickup Trucks 2022 to New
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Actual rate based on applicant's credit history.
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2021 and Newer
4.74%
36 month term
▼
APR4.74%
Term36 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $29.85
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Autos, SUVs, Pickup Trucks 2022 to New
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJul 16, 2026
Details
Actual rate based on applicant's credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto Loans
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedJul 16, 2026
Details
As Low As; Loan rates given are Annual Percentage Rates (APR). All rates and terms are effective as of April 20, 2026, and are subject to change without notice. Your actual loan rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at NCCYou is required.
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Auto Loans
4.83%
72 Months
▼
APR4.83%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Not all will qualify for lowest rate.
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 61-72 Months
4.83%
72 Months
▼
APR4.83%
Term72 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 49-60 Months
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 37-48 Months
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 0-36 Months
4.91%
36 Months
▼
APR4.91%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; New Auto 2025 + Newer Only
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
New Auto Loan
4.99%
5 year term
▼
APR4.99%
Term5 year term
Last UpdatedJul 15, 2026
Details
2024 - 2026 model years.
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2021 and Newer
4.99%
48 month term
▼
APR4.99%
Term48 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $23.02
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Vehicle 2023-Newer Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Autos 2022-newer
4.99%
48 mo.
▼
APR4.99%
Term48 mo.
Last UpdatedJul 16, 2026
Details
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Vehicle Loans 2024 or newer
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJul 16, 2026
Details
As Low As
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Autos, SUVs, Pickup Trucks 2022 to New
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJul 16, 2026
Details
Actual rate based on applicant's credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2017-2021 New & Used Vehicles Loan
5.04%
36 months
▼
APR5.04%
Term36 months
Last UpdatedJul 15, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2022 - 2026 New & Used Vehicles Loan
5.04%
48-60 months
▼
APR5.04%
Term48-60 months
Last UpdatedJul 15, 2026
Details
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
New Auto Loan
5.19%
6 year term
▼
APR5.19%
Term6 year term
Last UpdatedJul 15, 2026
Details
2024 - 2026 model years.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Autos 2022-newer
5.24%
60 mo.
▼
APR5.24%
Term60 mo.
Last UpdatedJul 16, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2021 and Newer
5.49%
60 month term
▼
APR5.49%
Term60 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $19.10
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2021 & Newer
5.49%
60 Months or Less
▼
APR5.49%
Term60 Months or Less
Last UpdatedJul 16, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Autos 2022-newer
5.49%
72 mo.
▼
APR5.49%
Term72 mo.
Last UpdatedJul 16, 2026
Details
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Vehicle Loans 2024 or newer
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedJul 16, 2026
Details
As Low As
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Autos, SUVs, Pickup Trucks 2022 to New
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedJul 16, 2026
Details
Actual rate based on applicant's credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2021 and Newer
5.74%
72 month term
▼
APR5.74%
Term72 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $16.45
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Autos 2022-newer
5.74%
84 mo.
▼
APR5.74%
Term84 mo.
Last UpdatedJul 16, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Vehicle 2023-Newer Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2021 & Newer
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 73-84 Months
5.82%
84 Months
▼
APR5.82%
Term84 Months
Last UpdatedJul 16, 2026
Details
Wakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan 2021 and Newer
5.99%
84 month term
▼
APR5.99%
Term84 month term
Last UpdatedJul 15, 2026
Details
As Low As; Payment Example (per $1,000 borrowed): $14.60
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2017-2021 New & Used Vehicles Loan
6.04%
48-60 months
▼
APR6.04%
Term48-60 months
Last UpdatedJul 15, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2022 - 2026 New & Used Vehicles Loan
6.04%
72-84 months
▼
APR6.04%
Term72-84 months
Last UpdatedJul 15, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2021 & Newer
6.09%
120 Months
▼
APR6.09%
Term120 Months
Last UpdatedJul 16, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Vehicle 2023-Newer Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
New Auto
6.50%
84 months
▼
APR6.50%
Term84 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2013-2016 New & Used Vehicles Loan
7.04%
36-48 months
▼
APR7.04%
Term36-48 months
Last UpdatedJul 15, 2026
Details
*GAP Insurance purchased through the credit union is required
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2017-2021 New & Used Vehicles Loan
7.04%
72-84 months
▼
APR7.04%
Term72-84 months
Last UpdatedJul 15, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Autos 2022-newer
7.24%
96 mo.
▼
APR7.24%
Term96 mo.
Last UpdatedJul 16, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Vehicle 2023-Newer Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Powered by
MonitorBankRates
Owatonna Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2020-2025
5.95%
60 months
▼
APR5.95%
Term60 months
Last UpdatedJul 15, 2026
Details
as low as
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2015-2019
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedJul 15, 2026
Details
as low as
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2007-2014
9.00%
48 months
▼
APR9.00%
Term48 months
Last UpdatedJul 15, 2026
Details
as low as
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 2000-2006
10.75%
36 months
▼
APR10.75%
Term36 months
Last UpdatedJul 15, 2026
Details
as low as
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2400 W Bridge St, Owatonna, MN, 55060 5003
Used Auto/Truck/Van 1999 & Older
12.50%
24 months
▼
APR12.50%
Term24 months
Last UpdatedJul 15, 2026
Details
as low as
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2022 - 2026 New & Used Vehicles Loan
4.04%
36 months
▼
APR4.04%
Term36 months
Last UpdatedJul 15, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Auto Loans
4.83%
72 Months
▼
APR4.83%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Not all will qualify for lowest rate.
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 61-72 Months
4.83%
72 Months
▼
APR4.83%
Term72 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 49-60 Months
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedJul 16, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 36 Months
4.87%
36 Months
▼
APR4.87%
Term36 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 37-48 Months
4.87%
48 Months
▼
APR4.87%
Term48 Months
Last UpdatedJul 16, 2026
Details
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 0-36 Months
4.91%
36 Months
▼
APR4.91%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 24 Months
4.94%
24 Months
▼
APR4.94%
Term24 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 48 Months
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2024 - 2025
4.99%
60 - 72 Month
▼
APR4.99%
Term60 - 72 Month
Last UpdatedJul 16, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2017-2021 New & Used Vehicles Loan
5.04%
36 months
▼
APR5.04%
Term36 months
Last UpdatedJul 15, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2022 - 2026 New & Used Vehicles Loan
5.04%
48-60 months
▼
APR5.04%
Term48-60 months
Last UpdatedJul 15, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 72 Months
5.06%
72 Months
▼
APR5.06%
Term72 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 60 Months
5.07%
60 Months
▼
APR5.07%
Term60 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 12 Months
5.11%
12 Months
▼
APR5.11%
Term12 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 36 Months
5.12%
36 Months
▼
APR5.12%
Term36 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 24 Months
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 48 Months
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 84 Months
5.20%
84 Months
▼
APR5.20%
Term84 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
Used Auto Loan
5.24%
5 year term
▼
APR5.24%
Term5 year term
Last UpdatedJul 15, 2026
Details
2020 - 2023 model years.
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle 2016-2022 Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 72 Months
5.31%
72 Months
▼
APR5.31%
Term72 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 60 Months
5.32%
60 Months
▼
APR5.32%
Term60 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 12 Months
5.36%
12 Months
▼
APR5.36%
Term12 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2021 & Newer
5.49%
60 Months or Less
▼
APR5.49%
Term60 Months or Less
Last UpdatedJul 16, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2021 - 2023
5.49%
60 Month
▼
APR5.49%
Term60 Month
Last UpdatedJul 16, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
Used Auto
5.50%
24 months
▼
APR5.50%
Term24 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 36 Months
5.62%
36 Months
▼
APR5.62%
Term36 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2019 - 2020
5.69%
48 Month
▼
APR5.69%
Term48 Month
Last UpdatedJul 16, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 24 Months
5.69%
24 Months
▼
APR5.69%
Term24 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 48 Months
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2017-2021
5.74%
36 mo.
▼
APR5.74%
Term36 mo.
Last UpdatedJul 16, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle 2016-2022 Loan
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
Used Auto
5.75%
36 months
▼
APR5.75%
Term36 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2021 & Newer
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedJul 16, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 72 Months
5.81%
72 Months
▼
APR5.81%
Term72 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 60 Months
5.82%
60 Months
▼
APR5.82%
Term60 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Ashland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.26%
New & Used Automobiles 73-84 Months
5.82%
84 Months
▼
APR5.82%
Term84 Months
Last UpdatedJul 16, 2026
Details
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 12 Months
5.86%
12 Months
▼
APR5.86%
Term12 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2017-2021
5.99%
48 mo.
▼
APR5.99%
Term48 mo.
Last UpdatedJul 16, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
Used Auto
6.00%
48 months
▼
APR6.00%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2017-2021 New & Used Vehicles Loan
6.04%
48-60 months
▼
APR6.04%
Term48-60 months
Last UpdatedJul 15, 2026
Details
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2022 - 2026 New & Used Vehicles Loan
6.04%
72-84 months
▼
APR6.04%
Term72-84 months
Last UpdatedJul 15, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2021 & Newer
6.09%
120 Months
▼
APR6.09%
Term120 Months
Last UpdatedJul 16, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2018 & Older (Rate +
6.19%
36 Month
▼
APR6.19%
Term36 Month
Last UpdatedJul 16, 2026
Details
$5,000
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2017-2021
6.24%
60 mo.
▼
APR6.24%
Term60 mo.
Last UpdatedJul 16, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
Used Auto
6.25%
60 months
▼
APR6.25%
Term60 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 36 Months
6.37%
36 Months
▼
APR6.37%
Term36 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 24 Months
6.44%
24 Months
▼
APR6.44%
Term24 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 48 Months
6.44%
48 Months
▼
APR6.44%
Term48 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2017-2021
6.49%
72 mo.
▼
APR6.49%
Term72 mo.
Last UpdatedJul 16, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle 2016-2022 Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 72 Months
6.56%
72 Months
▼
APR6.56%
Term72 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 60 Months
6.57%
60 Months
▼
APR6.57%
Term60 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Accentra Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 15.75%
Used Car Loan - 12 Months
6.62%
12 Months
▼
APR6.62%
Term12 Months
Last UpdatedJul 16, 2026
Details
Used Car Loan
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2018 & Older (Rate
6.69%
36 Month
▼
APR6.69%
Term36 Month
Last UpdatedJul 16, 2026
Details
$5,000
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2017-2021
6.74%
84 mo.
▼
APR6.74%
Term84 mo.
Last UpdatedJul 16, 2026
Details
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
Used Auto
7.00%
72 months
▼
APR7.00%
Term72 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2013-2016 New & Used Vehicles Loan
7.04%
36-48 months
▼
APR7.04%
Term36-48 months
Last UpdatedJul 15, 2026
Details
*GAP Insurance purchased through the credit union is required
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
2017-2021 New & Used Vehicles Loan
7.04%
72-84 months
▼
APR7.04%
Term72-84 months
Last UpdatedJul 15, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle 2016-2022 Loan
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Northern Communities Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.70%
Used Auto
7.25%
84 months
▼
APR7.25%
Term84 months
Last UpdatedJul 16, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2020 & Older
7.49%
72 Months
▼
APR7.49%
Term72 Months
Last UpdatedJul 16, 2026
Details
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Vehicle Loan 2020 & Older
7.99%
120 Months
▼
APR7.99%
Term120 Months
Last UpdatedJul 16, 2026
Details
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Older Used Vehicle Loan
8.25%
48 Months
▼
APR8.25%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2016 and Older
9.24%
36 mo.
▼
APR9.24%
Term36 mo.
Last UpdatedJul 16, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2016 and Older
9.49%
48 mo.
▼
APR9.49%
Term48 mo.
Last UpdatedJul 16, 2026
Details
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Autos 2016 and Older
9.74%
60 mo.
▼
APR9.74%
Term60 mo.
Last UpdatedJul 16, 2026
Details
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MonitorBankRates
Owatonna, MN Auto Loan Rate Trends
Compare local Owatonna, MN auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — MN Avg
5.368%
▼ 0.095 vs 7 days ago
Minnesota new auto rates fell 0.095 points over the past 7 days to 5.368% APR.
Used Auto Loan — MN Avg
6.266%
▲ 0.084 vs 7 days ago
Minnesota used auto rates rose 0.084 points over the past 7 days to 6.266% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Owatonna, Minnesota auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Owatonna, Minnesota directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Owatonna, Minnesota. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MN.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Owatonna, Minnesota
How does my credit score affect my car loan rate in Minnesota?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Owatonna, Minnesota with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Minnesota *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Owatonna, Minnesota typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Owatonna, Minnesota?
Based on our current data, some of the lowest auto loan rates available in Owatonna, Minnesota include:
- Federated Employees Credit Union: 4.00% (Auto Loan 36-Month 2025 and newer)
- Hometown Federal Credit Union: 5.00% (New Auto/Truck/Van)
- Carpenters Federal Credit Union: 4.04% (2022 - 2026 New & Used Vehicles Loan)
- Unity One Credit Union: 4.49% (Auto Loan)
- My Credit Union Bloomington, MN: 4.49% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Owatonna, Minnesota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 16, 2026
Owatonna, Minnesota Rates & Resources
Rate Assistant
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