Credit union · NCUA insured
Black Hills Federal Credit Union Auto Loan Rates
Top CarrotBlack Hills Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How Black Hills Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rapid City, SD, where Black Hills Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Black Hills Federal Credit Union
4.74%APR
- Terms
- —
- Discount
- Included in the rate
Auto Loans
Lowest rate
Dakota Plains FCU
3.74%APR
- Terms
- 72–74 months
- Discount
- None included
2nd-lowest rate
Highmark Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Discount
- None included
Black Hills Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Black Hills 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
Financing options on new and used cars, trucks and SUVs, including auto refinancing options. Tiered-pricing program based on collateral type/age, loan term, and credit history. Pre-approval, online applications, and Dealer Direct financing available. Vehicles over 150,000 miles have a maximum term of 36 months; vehicles over 200,000 miles have a maximum term of 24 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.24% | Rates as low as; not all borrowers will qualify for lowest APR. Vehicles with over 200,000 miles have a maximum term of 24 months. |
| up to 36 months | 5.60% | Rates as low as; not all borrowers will qualify for lowest APR. Vehicles with over 150,000 miles have a maximum term of 36 months. |
| up to 48 months | 5.74% | Rates as low as; not all borrowers will qualify for lowest APR. |
| up to 60 months | 5.74% | Rates as low as; not all borrowers will qualify for lowest APR. |
| up to 72 months | 5.99% | Rates as low as; not all borrowers will qualify for lowest APR. |
| up to 84 months | 6.24% | Rates as low as; not all borrowers will qualify for lowest APR. Minimum amount financed $25,000. |
| — | 4.74% | Reduced-rate refinance special: 0.50% rate discount applies to auto loans refinanced from another lender (external refinance). Stated rate is lowest available on new or used vehicle loans, including rate discount. Not valid on purchase loans. BHFCU employees excluded. Offer valid through December 31, 2026. |
Sources (2)
All captured Oct 22, 2026
Who can join Black Hills Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.