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St. Cloud Financial Credit Union auto loan rates compared

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Minnesota · Headquarters Minnesota

St. Cloud, MN-based credit union; membership required

Rate page on scfcu.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car rates · 1 rate

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.06%New36-month payment example

MNChecked Nov 11, 2026

What the lender published

New and used cars and trucks, 2024 and newer. APR as low as (interest rate 4.49%), shown in a payment example for a 36-month term on $10,000 including an $85 documentation fee. Assumes a 0.25% discount for an active St. Cloud Financial checking account.

Checked Nov 11, 2026Source scfcu.org

Calculate payment at 5.06% from St. Cloud Financial Credit UnionVisit lender ↗

UsedUsed car rates · 1 rate

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.56%Used36-month payment example

MNChecked Nov 11, 2026

What the lender published

Used cars and trucks, 2018-2023. APR as low as (interest rate 4.99%), shown in a payment example for a 36-month term on $10,000 including an $85 documentation fee. Assumes a 0.25% discount for an active St. Cloud Financial checking account.

Checked Nov 11, 2026Source scfcu.org

Calculate payment at 5.56% from St. Cloud Financial Credit UnionVisit lender ↗