Credit union · NCUA insured
Bitterroot Community Federal Credit Union Auto Loan Rates
Bitterroot Community Federal Credit Union auto loans start at 4.59% APR for a new vehicle and 6.25% for a used one. Rates checked October 22, 2026.
How Bitterroot Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in Montana, where Bitterroot Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bitterroot Community Federal Credit Union
4.59%APR
- Terms
- up to 72 months
Vehicles 2021 or Newer
Lowest rate
Russell Country Federal Credit Union
3.95%APR
- Terms
- 37–60 months
2nd-lowest rate
Billings Federal Credit Union
2.49%APR
- Terms
- up to 84 months
Bitterroot Community Federal Credit Union auto loan score
82
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.59%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bitterroot Community 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.
Used Vehicles 2014 and older
Depends on term, age and type of vehicle
| Terms | APR | Conditions |
|---|---|---|
| — | 6.75% | Depends on term, age and type of vehicle |
Sources (1)
- bitterrootcommunityfcu.com/rates-2 · captured Oct 7, 2026
Used Vehicles 2015-2020
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.00% | 100% Financing up to 48 months |
| up to 60 months | 6.25% | 100% Financing up to 60 months |
Sources (1)
- bitterrootcommunityfcu.com/rates-2 · captured Oct 7, 2026
Vehicles 2021 or Newer
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.59% | 100% Financing up to 72 months |
| up to 84 months | 5.00% | 100% Financing for 84 Months |
Sources (1)
- bitterrootcommunityfcu.com/rates-2 · captured Oct 7, 2026
Who can join Bitterroot Community 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives (full or part-time), works, or worships in Ravalli County, Montana is eligible for membership.
Family and household
- Family members are eligible for membership.
Membership information collected October 4, 2026.