--- title: "Toro Employees Credit Union Rates - Minnesota" description: "Current vehicle loan, heloc, personal loan, and equipment loan rates from Toro Employees Credit Union in Minnesota. Updated daily with source verification. See who can join Toro Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/minnesota/toro-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Toro Employees Credit Union Rates - Minnesota ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Up to 60-Month New Auto Loan** auto_new_60mo | — APR | 5.240% | 60 mo · new | Standard | | **60-Month New Auto Loan** auto_new_60mo | — APR | 5.250% | 60 mo · new | Standard | | **Up to 72-Month New Auto Loan** auto_new_72mo | — APR | 5.440% | 72 mo · new | Standard | | **Titled Boat or Camper Loans - 5 year term** boat_any_60mo | — APR | 5.440% | 60 mo | Standard | | **Up to 60-Month Used Auto Loan** auto_used_60mo | — APR | 5.490% | 60 mo · used | Standard | | **Non-titled ATV, Jet ski & Snowmobile Loan** powersports | — APR | 8.990% | — | Standard | Toro Employees Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.750% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 7.000% | — | Standard | Toro Employees Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Shared Secured Loan** personal_secured | — APR | 2.150% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 9.000% | — | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 9.990% | 60 mo | Standard | Toro Employees Credit Union personal loan rates as of November 12, 2026 ### Equipment loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Toro Equipment Loan** equipment | — APR | 7.250% | — | Standard | Toro Employees Credit Union equipment loan rates as of November 12, 2026 Toro Employees Credit Union is a credit union in Minnesota. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/minnesota/toro-employees) , verified from [Toro Employees Credit Union's official website](https://www.torofcu.org/) Loading branch locator… ## About Toro Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.9K Assets $42M Founded 1974 Locations reported 1 NCUA charter 21644 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**MY** Lyndale · Bloomington · MN · 55420 About 0.7 miles away](https://rateapi.dev/credit-unions/minnesota/my) [**Building Trades** Building Trades CU - Bloomington · Bloomington · MN · 55420 About 0.8 miles away](https://rateapi.dev/credit-unions/minnesota/building-trades) [**Topline Financial** Bloomington · Bloomington · MN · 55420-1020 About 1.8 miles away](https://rateapi.dev/credit-unions/minnesota/topline-financial) [**Affinity Plus** Richfield · Richfield · MN · 55423 About 2.1 miles away](https://rateapi.dev/credit-unions/minnesota/affinity-plus) [**Trustone Financial** Bloomington · Bloomington · MN · 55425-1365 About 2.7 miles away](https://rateapi.dev/credit-unions/minnesota/trustone-financial) [**Sharepoint** France Ave · Bloomington · MN · 55431 About 3.2 miles away](https://rateapi.dev/credit-unions/minnesota/sharepoint) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Toro Employees Credit Union Membership eligibility from Toro Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Toro Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer The Toro Company Verified from [Toro Employees Credit Union's membership page](https://www.torofcu.org/prepare/join/) . Final membership determination is always made by the credit union. ## Membership rules for Toro Employees Credit Union Employers · Family 2 published paths to membership, last verified November 8, 2026, quoted from Toro Employees Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Toro - Works in country:US “The Toro Company employees who live in the United States, as well as their immediate family members, are eligible to join the credit union.” > [source ↗](https://www.torofcu.org/prepare/join/) - Employee of Toro and Works in the United States ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of someone eligible immediate family “The Toro Company employees who live in the United States, as well as their immediate family members, are eligible to join the credit union. Immediate family members include spouses, children, stepchildren, parents, grandparents, grandchildren, brothers, and sisters.” > [source ↗](https://www.torofcu.org/prepare/join/) - Family member (immediate family) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Toro Employees Credit Union? Yes No ## Work at Toro Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Toro Employees Credit Union ranks against Minnesota peers. - See which AI assistants fetched Toro Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Minnesota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=toro-employees&state=minnesota&code=MN&name=Toro%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Toro Employees Credit Union offer? Toro Employees Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Toro Employees Credit Union rates updated? RateAPI verifies Toro Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Toro Employees Credit Union's rate data? Rate data is collected directly from Toro Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Toro Employees Credit Union? Toro Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 employer for Toro Employees Credit Union, each quoted from Toro Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Toro Employees Credit Union's rates against national credit-union benchmarks. [More Minnesota credit unions](https://rateapi.dev/credit-unions/minnesota) [Minnesota auto loan rate leaders](https://rateapi.dev/auto-loan-rates/minnesota) [Minnesota HELOC rate leaders](https://rateapi.dev/heloc-rates/minnesota) [Minnesota personal loan leaders](https://rateapi.dev/personal-loan-rates/minnesota) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.torofcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Toro Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Minnesota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Toro Employees Credit Union curl "https://api.rateapi.dev/credit-unions/minnesota /toro-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Toro Employees Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/minnesota/toro-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp