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Auto Loans

Auto Loans

Let us help you get to your destination. Friendly service and trusted lending let you borrow with confidence, while pre-approval lets you shop smarter. Choose from terms customized to fit your financial situation. Have a car loan you don’t love? We might be able to help you refinance an auto loan from another lender at a better rate.


  • A simple application process
  • Local and trusted lending source
  • Pre-approval to shop confidently
  • A term that fits your budget
  • Refinance up to 100% of a different loan


Auto Loan Rates

Rates Effective as of: 04-20-2024

New Vehicle Loan Rates (Current Model Year & Newer)

Term APR
Up to 36 Months As Low As 5.99%
37-48 Months As Low As 6.24%
49-60 Months As Low As 6.49%
61-72 MonthsAs Low As 6.99%
73-84 Months As Low As 7.49%
85-96 Months As Low As 7.74%

Rates based on final LTV (Loan-to-Value) of 75%. The rate will increase for loans with higher LTVs.

Up to 120% financing available up to 72 months term. 100% financing on extended terms based on collateral and additional requirements.

APR = Annual Percentage Rate. To apply, view our loans page.

See All Rates

Calculate Your Payment

Estimate Your Monthly Payment
How much is the vehicle you want?
Interest rate (APR)
How many months do you want the loan for?

Get pre-approved

Getting pre-approved for a loan before looking for a vehicle saves time and energy so you’ll know exactly how much you’re able to spend.

Let us help you get to your destination.

"I have been with this credit union for 20 years, and have had multiple loans. This particular loan was an easy in and out friendly process!"

Apply Now


Frequently Asked Questions

  • Use our online Loan Payment Center
  • Stop at any branch and drop off cash or check with a Member Service Representative or use the night drop box
  • Account to Account electronic transfers - If you have more than one Centricity account set up in Bill Pay, you can transfer money between them
  • Set up an ACH transfer with your primary financial directly to your Centricity loan
  • Set up automatic payments from your Centricity account directly to your loan
*If you need to make changes to your current payment method, please call our Lending Department at 218-729-7733
Ten days after your loan is paid in full we will send you the title/lien card. Lien cards should be kept with the title of your vehicle.
Yes! Try our online Loan Payment Center or log in to Online Banking from our website and conveniently transfer your payment from your savings or checking accounts.
 If you ever have questions about whether a loan type applies to your specific situation or project, please get in touch with us! We’d love to talk through it with you.