Auto Loans · Duluth, Minnesota
7 credit unions in Duluth report car loan rates to the NCUA. Rates range from 4.74% to 6.39%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
4.74%
Lowest New Car Rate
5.66%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HARBOR POINTE ★ 2.5 · 32 reviews | 4.74% | 4.74% |
| 2 | MEMBERS COOPERATIVE ★ 3.3 · 86 reviews | 4.99% | 4.99% |
| 3 | DULUTH FIRE DEPARTMENT ★ 5.0 · 1 reviews | 5.61% | 6.00% |
| 4 | DULUTH POLICE DEPARTMENT EMPLOYEES | 5.79% | 5.99% |
| 5 | SHARE ADVANTAGE ★ 5.0 · 11 reviews | 5.91% | 7.03% |
| 6 | MINNESOTA POWER EMPLOYEES ★ 5.0 · 1 reviews | 6.18% | 6.65% |
| 7 | NORTHERN COMMUNITIES ★ 4.4 · 80 reviews | 6.39% | 9.46% |
7 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | HARBOR POINTE ★ 2.5 · 32 reviews | 4.74% | 4.74% |
| 2 | MEMBERS COOPERATIVE ★ 3.3 · 86 reviews | 4.99% | 4.99% |
| 3 | DULUTH POLICE DEPARTMENT EMPLOYEES | 5.99% | 5.79% |
| 4 | DULUTH FIRE DEPARTMENT ★ 5.0 · 1 reviews | 6.00% | 5.61% |
| 5 | MINNESOTA POWER EMPLOYEES ★ 5.0 · 1 reviews | 6.65% | 6.18% |
| 6 | SHARE ADVANTAGE ★ 5.0 · 11 reviews | 7.03% | 5.91% |
| 7 | NORTHERN COMMUNITIES ★ 4.4 · 80 reviews | 9.46% | 6.39% |
A pre-approval from a Duluth credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Duluth in the same window and take the best offer.
See member reviews, branch locations, and full rate details.