Loan

Rates

Simple. Fast. Convenient.

Minnesota Valley offers flexible terms and competitive rates requiring little or no down payment. A variety of repayment options are available. In many cases we can pre-approve your loan and have the funds available the same day.

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AUTO LOANS      
New Vehicles (Titled in the last 6 months) 
TermPayment Example AmountAPR*Payment
36 months$8,500 as low as 5.74%$257.59
48 months$10,000 as low as 5.99%$234.80
60 months$15,000 as low as 6.24%$293.42
72 months$20,000 as low as 6.49%$336.10
84 months$25,000 as low as 6.74%$374.15
96 months30,000as low as 7.24%$412.60
Used Vehicles 2019 to 2023
TermPayment Example AmountAPRPayment
36 months$8,500 as low as 5.99%$258.55
48 months$10,000 as low as 6.24%$235.95
60 months$15,000 as low as 6.49%$293.42
72 months$20,000 as low as 6.74%$338.49
Used Vehicles 2014 to 2018
TermPayment Example AmountAPRPayment
36 months$8,500 as low as 6.49%$260.48
48 months$10,000 as low as 6.74%$238.26
60 months$15,000 as low as 6.99%$296.95
72 months$20,000 as low as 7.24%$343.29
Used Vehicles 10 Years & Older
48 months $8,500 7.74%$206.47
60 months$10,000 7.99%$202.72

Rates and terms are subject to change at any time based upon Asset-Liability Committee (ALCO) review and changing market conditions.  These rates and terms do not constitute a contract or obligation.  Rates are calculated based on an evaluation of credit history, loans terms including number of scheduled amounts to repay, loan-to-value, and account relationships with Minnesota Valley FCU.  Additional restrictions may apply.   *APR = Annual Percentage Rate.  Rates quoted are the lowest possible including discounts, so your rate may differ. Total of all discounts limited to .85%.

Contact the loan department for details at 507-387-3055 or 800-247-0522 or via email  loan@mnvalleyfcu.coop. To see our current Savings Rates, click here.

~Private Party Purchase Interest Rate Adjustment: +1.00% for private party sale transactions from one individual to another.

Discounts Available

*Add.50% to Real Estate Loans with amortizations over 240 months. *Add .25% for no Private Mortgage Insurance. Add .50% for Non- Conforming Loans.

Consumer Credit Score Discount of up to 0.25% is available to those who qualify. Discount is determined by the credit bureau (Beacon) score.

Home Equity Installment Credit Score Discount of up to 0.25% available to those who qualify. Discount is determined by the credit bureau (Beacon) score.