Credit union · NCUA insured
Bluestone Federal Credit Union Auto Loan Rates
Bluestone Federal Credit Union auto loan rates start at 4.74% APR. Rates checked October 22, 2026.
How Bluestone Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where Bluestone Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bluestone Federal Credit Union
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- Terms
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- Up to
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No ongoing APR published
Lowest rate
Service First FCU
4.24%APR
- Terms
- up to 60 months
- Up to
- 13.85% APR
- Discount
- None included
2nd-lowest rate
Black Hills Federal Credit Union
4.74%APR
- Terms
- —
- Up to
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- Discount
- Included in the rate
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.
Buy or Refinance a Car/Truck
Must be eligible for membership with Bluestone Federal Credit Union. Subject to credit approval. Full coverage insurance required. Loan value and maximum amount financed based on NADA and credit. Vehicle loan terms offered from 12 to 84 months. Rates based on 4-star credit for the shortest term offered (12 months). Rate discounts may apply (e.g., Green Loans, Plug-In Pay Less for hybrids and vehicles rated >=28 mpg/hwy). Rates apply to new or used vehicles regardless of model year.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 4.74% | Rate as low as 4.74% APR for 4 star credit based on shortest loan term offered (12 months). .50% off all Hybrids & vehicles rated =>28mpg/hwy by the EPA. Applies to new and used vehicles. |
Who can join Bluestone 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This may be incomplete or out of date, so check with the credit union before you apply.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 persons who live, work, worship or attend school in 43 counties across 4 states (Iowa, Minnesota, Nebraska, South Dakota).
Family and household
- Immediate family members of eligible persons are eligible for membership.
Cost to join
- Members must fund their membership with a $5.00 share deposit.
Membership information collected October 4, 2026.