Credit union · NCUA insured
Aspen Federal Credit Union Auto Loan Rates
Top CarrotAspen Federal Credit Union auto loans start at 4.80% APR for a new vehicle and 4.80% for a used one. Rates checked October 22, 2026.
How Aspen Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rapid City, SD, where Aspen Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Aspen Federal Credit Union
4.80%APR
- Terms
- up to 84 months
Auto Loans
Lowest rate
Dakota Plains FCU
3.74%APR
- Terms
- 72–74 months
2nd-lowest rate
Highmark Federal Credit Union
4.25%APR
- Terms
- up to 84 months
Aspen Federal Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.80%
- Used vehicleUsed4.80%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Aspen Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Aspen Federal Credit Union offers a tiered-pricing program. Individual rate is determined by the type and/or age of collateral offered, length of loan, and credit history. Up to 125% financing and terms up to 84 months available for qualified members. Fixed and variable rates on new or used vehicles and refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.80% | Rates as low as 4.80% APR on new or used vehicles. Terms of up to 84 months and up to 125% financing for qualified members. Fixed and variable rates available for purchase or refinance. Tiered-pricing based on creditworthiness, loan term, collateral type/age, and credit history. |
| — | 5.05% | Common rate offered for Auto/Recreational loans. Tiered-pricing program where individual rate is determined by the type and/or age of collateral offered, length of loan, and credit history. |
Sources (2)
All captured Oct 4, 2026
Who can join Aspen Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, attend school in, or own a business located in Pennington, Meade, Lawrence, or Custer County, South Dakota are eligible for membership.
Family and household
- Individuals with a family member who is an existing member of Aspen FCU are eligible for membership.
Cost to join
- An opening deposit of $25 is required to purchase a share of the credit union upon becoming a member.
Membership information collected October 4, 2026.