Credit union · NCUA insured
Billings Federal Credit Union Auto Loan Rates
Top CarrotBillings Federal Credit Union auto loans start at 2.49% APR for a new vehicle and 2.49% for a used one. Rates checked October 22, 2026.
How Billings Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Billings, MT, where Billings Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Billings Federal Credit Union
2.49%APR
- Terms
- up to 84 months
- Discount
- None included
Auto & Motorcycle Loans
2nd-lowest rate
Black Hills Federal Credit Union
4.74%APR
- Terms
- —
- Discount
- Included in the rate
3rd-lowest rate
Valley Credit Union
5.24%APR
- Terms
- —
- Discount
- None included
Billings Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew2.49%
- Used vehicleUsed2.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Billings 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 & Motorcycle Loans
$25.00 Share Savings deposit required. All loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 2.49% | Payment example: For a $20,000.00 loan for a term of 84 months with a 2.49% APR, the monthly payment will be $259.69. $25.00 Share Savings deposit required. All loans subject to approval. |
Sources (1)
- billingsfcu.org/loans/auto-loans · captured Oct 7, 2026
Who can join Billings 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, attends school, or worships in 43 specified counties in Montana or 3 specified counties in Wyoming.
Family and household
- Membership is open to family members of eligible individuals.
Membership information collected October 4, 2026.