--- title: "Transit Operations Credit Union Rates - Minnesota" description: "Current vehicle loan, and personal loan rates from Transit Operations Credit Union in Minnesota. Updated daily with source verification. See who can join Transit Operations Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/minnesota/transit-operations" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Transit Operations Credit Union Rates - Minnesota ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 5.250% | — | Standard | | **Older Vehicle Loan** auto_used | — APR | 6.750% | used | Standard | | **New RV Loan** rv_new | — APR | 8.500% | new | Standard | | **Used RV Loan** rv_used | — APR | 9.000% | used | Standard | Transit Operations Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 3.100% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.000% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 13.500% | — | Standard | | **Payday Loan** personal | — APR | 28.000% | — | Standard | Transit Operations Credit Union personal loan rates as of November 12, 2026 Transit Operations Credit Union is a credit union in Minnesota. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/minnesota/transit-operations) , verified from [Transit Operations Credit Union's official website](https://tofcu.org/) Loading branch locator… ## About Transit Operations Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 643 Assets $4M Founded 1936 Locations reported 1 NCUA charter 24539 Charter type Federal credit union ### Services and member support - Electronic statements - Financial counseling - Financial education - Payday Alternative Loans I - Payday Alternative Loans II 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. [**Arise Community** Alliance Francaise · Minneapolis · MN · 55405-1402 About 1.4 miles away](https://rateapi.dev/credit-unions/minnesota/arise-community) [**Ent** Minneapolis - Rand Tower · Minneapolis · MN · 55402 About 2.1 miles away](https://rateapi.dev/credit-unions/colorado/ent) [**Baxter** Plaza South · Minneapolis · MN · 55403 About 2.1 miles away](https://rateapi.dev/credit-unions/illinois/baxter) [**North Memorial** North Memorial FCU · Robbinsdale · MN · 55422-2926 About 2.2 miles away](https://rateapi.dev/credit-unions/minnesota/north-memorial) [**Trustone Financial** Northeast Minneapolis · Minneapolis · MN · 55413-2732 About 2.3 miles away](https://rateapi.dev/credit-unions/minnesota/trustone-financial) [**Electric Machinery Employees** ELECTRIC MACHINERY EMPLOYEES CREDIT UNION · MINNEAPOLIS · MN · 55413-2403 About 2.4 miles away](https://rateapi.dev/credit-unions/minnesota/electric-machinery-employees) 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 Transit Operations Credit Union Membership eligibility from Transit Operations Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Transit Operations Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Transportation Division of the Metropolitan Council, North Oaks Golf Club, St. Paul Greyhound Bus Depot, any of the above - Association Amalgamated Transit Union Local #1005, TMSA Verified from [Transit Operations Credit Union's membership page](https://tofcu.org/about-us) . Final membership determination is always made by the credit union. ## Membership rules for Transit Operations Credit Union Employers 4 · Associations 2 · Family 2 8 published paths to membership, last verified November 8, 2026, quoted from Transit Operations Credit Union’s own published criteria. ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Transportation Division of the Metropolitan Council “Employees of the Transportation Division of the Metropolitan Council, St Paul, MN” > [source ↗](https://tofcu.org/about-us) - Employee of Transportation Division of the Metropolitan Council - Employee of North Oaks Golf Club “Employees of the North Oaks Golf Club” > [source ↗](https://tofcu.org/about-us) - Employee of North Oaks Golf Club - Employee of St. Paul Greyhound Bus Depot “Employees of the St. Paul Greyhound Bus Depot” > [source ↗](https://tofcu.org/about-us) - Employee of St. Paul Greyhound Bus Depot - Retired employee of any of the above “Retirees who are pensioners or annuitants of any of the above” > [source ↗](https://tofcu.org/about-us) - Retiree of any of the above ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Member of Amalgamated Transit Union Local #1005 “Members of Amalgamated Transit Union Local #1005” > [source ↗](https://tofcu.org/about-us) - Member of Amalgamated Transit Union Local #1005 - Member of TMSA “Members of TMSA” > [source ↗](https://tofcu.org/about-us) - Member of TMSA ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member household member “Household members welcome” > [source ↗](https://tofcu.org/about-us) - Family member (household member) of a member - Family of someone eligible immediate family “Immediate family members of individuals who are eligible for membership” > [source ↗](https://tofcu.org/about-us) - 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 Transit Operations Credit Union? Yes No ## Work at Transit Operations 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 Transit Operations Credit Union ranks against Minnesota peers. - See which AI assistants fetched Transit Operations 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=transit-operations&state=minnesota&code=MN&name=Transit%20Operations%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Transit Operations Credit Union offer? Transit Operations Credit Union currently offers vehicle loan, 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 Transit Operations Credit Union rates updated? RateAPI verifies Transit Operations 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 Transit Operations Credit Union's rate data? Rate data is collected directly from Transit Operations 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 Transit Operations Credit Union? Transit Operations Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 4 employers and 2 associations for Transit Operations Credit Union, each quoted from Transit Operations Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Transit Operations 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 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://tofcu.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 Transit Operations 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 Transit Operations Credit Union curl "https://api.rateapi.dev/credit-unions/minnesota /transit-operations " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Transit Operations 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/transit-operations Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp