Novation

oakdale, Minnesota
Last verified: July 10, 2026

As of July 10, 2026, Novation offers a savings mortgage at 1.5% APR (1.5% rate, 0 points). Auto loans available from 4.69% APR. HELOC rates from 5.49% APR. Personal loan rates from 4.95% APR.

Source: RateAPI.dev, verified from Novation's official website

Mortgage Rates

Rates as of July 10, 2026

savings
1.500% APR
Rate1.500%
Points0
Youth Checking
savings
1.750% APR
Rate1.750%
Points0
Incentive Checking
cd_60mo
2.250% APR
Rate2.250%
Points0
Certificates - 60 Months
savings
2.550% APR
Rate2.550%
Points0
High-Yield Savings Accounts
savings
2.550% APR
Rate2.550%
Points0
Youth Savings
cd_13mo
3.250% APR
Rate3.250%
Points0
Certificates - 13 Months
ploc_variable
12.500% APR
Rate12.500%
Points0
Line of Credit

Auto Loan Rates

Rates as of July 10, 2026

auto_any_36mo
4.690% APR
Rate4.690%
New and Used Vehicles - Up to 36 Months
auto_any_60mo
5.190% APR
Rate5.190%
New and Used Vehicles - 37 – 60 Months
auto_any_36mo
5.190% APR
Rate5.190%
Older Vehicles - Up to 36 Months
auto_any_72mo
5.440% APR
Rate5.440%
New and Used Vehicles - 61 – 72 Months
auto_any_84mo
5.690% APR
Rate5.690%
New and Used Vehicles - Up to 84 Months
auto_any_60mo
5.690% APR
Rate5.690%
Older Vehicles - 37 – 60 Months
auto
5.850% APR
Rate5.850%
Auto Loan
auto_any_72mo
6.190% APR
Rate6.190%
Older Vehicles - 61 – 72 Months
auto_any_84mo
6.750% APR
Rate6.750%
New and Used Recreational Vehicles - Up to 84 Months
auto_any
7.500% APR
Rate7.500%
New and Used Recreational Vehicles - 85 - 180 Months
auto_any_84mo
7.750% APR
Rate7.750%
Older Recreational Vehicles - Up to 84 Months
auto
8.500% APR
Rate8.500%
Older Recreational Vehicles - 85 - 180 Months
credit_card_rewards
11.240% APR
Rate11.240%
Visa® Platinum Rewards Credit Card

HELOC Rates

Rates as of July 10, 2026

heloc_fixed
5.490% APR
Rate5.490%
Home Equity Loans - Up to 60 months
heloc_fixed
5.990% APR
Rate5.990%
Home Equity Loans - 61 - 120 months
heloc_fixed
6.490% APR
Rate6.490%
Home Equity Loans - 121 - 180 months
heloc_variable
6.750% APR
Rate6.750%
Home Equity Line of Credit (HELOC)

Personal Loan Rates

Rates as of July 10, 2026

personal_unsecured_60mo
4.950% APR
Rate4.950%
Student Loan Refinancing - 5 Year Repayment
personal_unsecured_120mo
5.950% APR
Rate5.950%
Student Loan Refinancing - 10 Year Repayment
personal
6.950% APR
Rate6.950%
Student Loan Refinancing - 15 Year Repayment (Fixed)
personal
8.500% APR
Rate8.500%
Student Loan Refinancing - 15 Year Repayment (Variable)
personal
8.750% APR
Rate8.750%
Private Student Loans
personal
11.490% APR
Rate11.490%
Lifestyle Loans

Frequently Asked Questions

What rates does Novation offer?

Novation currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Novation rates updated?

RateAPI verifies Novation's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Novation's rate data?

Rate data is collected directly from Novation's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Novation's mortgage rate?

As of July 10, 2026, Novation offers a savings mortgage at 1.5% APR.

What is Novation's auto loan rate?

As of July 10, 2026, Novation offers auto loans from 4.69% APR.

Related Rate Data

Compare Novation's rates against national credit-union benchmarks.

More Minnesota credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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terminal
# Get rates for Novation
curl "https://api.rateapi.dev/credit-unions/minnesota/novation" \
  -H "Authorization: Bearer YOUR_API_KEY"
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