Auto Loans · Saint Paul, Minnesota
7 credit unions in Saint Paul report car loan rates to the NCUA. Rates range from 4.29% to 6.50%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
4.29%
Lowest New Car Rate
5.34%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ST. PAUL ★ 4.6 · 535 reviews | 4.29% | 4.29% |
| 2 | FARM CREDIT EMPLOYEES ★ 5.0 · 3 reviews | 4.89% | 7.25% |
| 3 | AFFINITY PLUS ★ 3.4 · 134 reviews | 5.24% | 5.99% |
| 4 | METROPOLITAN SERVICES ★ 5.0 · 108 reviews | 5.49% | 5.99% |
| 5 | CARPENTERS ★ 3.5 · 136 reviews | 5.49% | 6.10% |
| 6 | CATHOLIC UNITED FINANCIAL ★ 4.4 · 25 reviews | 5.50% | 5.50% |
| 7 | CITY & COUNTY ★ 3.7 · 136 reviews | 6.50% | 6.99% |
7 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ST. PAUL ★ 4.6 · 535 reviews | 4.29% | 4.29% |
| 2 | CATHOLIC UNITED FINANCIAL ★ 4.4 · 25 reviews | 5.50% | 5.50% |
| 3 | AFFINITY PLUS ★ 3.4 · 134 reviews | 5.99% | 5.24% |
| 4 | METROPOLITAN SERVICES ★ 5.0 · 108 reviews | 5.99% | 5.49% |
| 5 | CARPENTERS ★ 3.5 · 136 reviews | 6.10% | 5.49% |
| 6 | CITY & COUNTY ★ 3.7 · 136 reviews | 6.99% | 6.50% |
| 7 | FARM CREDIT EMPLOYEES ★ 5.0 · 3 reviews | 7.25% | 4.89% |
A pre-approval from a Saint Paul 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 Saint Paul in the same window and take the best offer.
See member reviews, branch locations, and full rate details.