Auto Loans · Minneapolis, Minnesota
3 credit unions in Minneapolis report car loan rates to the NCUA. Rates range from 4.99% to 5.74%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.33%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ELECTRIC MACHINERY EMPLOYEES ★ 5.0 · 4 reviews | 4.99% | 5.29% |
| 2 | TRANSIT OPERATIONS ★ 4.6 · 12 reviews | 5.25% | 7.25% |
| 3 | LATVIAN ★ 5.0 · 8 reviews | 5.74% | 5.74% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ELECTRIC MACHINERY EMPLOYEES ★ 5.0 · 4 reviews | 5.29% | 4.99% |
| 2 | LATVIAN ★ 5.0 · 8 reviews | 5.74% | 5.74% |
| 3 | TRANSIT OPERATIONS ★ 4.6 · 12 reviews | 7.25% | 5.25% |
A pre-approval from a Minneapolis 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 Minneapolis in the same window and take the best offer.
See member reviews, branch locations, and full rate details.