Credit union · NCUA insured
Consumer's Federal Credit Union Auto Loan Rates
Top CarrotConsumer's Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How Consumer's Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in South Dakota, where Consumer's Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Consumer's Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loans
Lowest rate
Dakota Plains FCU
3.74%APR
- Terms
- 72–74 months
- Up to
- —
2nd-lowest rate
Service First FCU
4.24%APR
- Terms
- up to 60 months
- Up to
- 13.85% APR
Consumer's Federal Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Consumer's 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
Loan Fees: $50.00. Manager has right of say over all printed material. May need co-signer. 2023 or newer with credit score >= 700 can be financed up to 84 months; 2022 or newer with credit score < 700 can finance up to 72 months; 2021 or older max financing 60 months. 2024 or newer with credit score 750+ financing up to 60 months receive special rate 4.49% APR. Refinance discount: up to 1% off current rate from another lender (credit score 700+, debt ratio <= 50%, floor 3.50%, loan fees waived).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49% | 2024 or newer vehicle, credit score 750+, term up to 60 months. Approved by Board of Directors on 02/19/2026. |
| up to 84 months | 5.25% | Vehicle year 2024 & Newer, Credit score 750+. Max term up to 84 months. Approved 02/19/2026. |
| up to 84 months | 5.75% | Vehicle year 2024 & Newer, Credit score 749–700. Max term up to 84 months. Approved 02/19/2026. |
| up to 72 months | 8.50% | Vehicle year 2024 & Newer, Credit score 699–650. Max term up to 72 months. Approved 02/19/2026. |
| up to 72 months | 10.50% | Vehicle year 2024 & Newer, Credit score 649–600. Max term up to 72 months. Approved 02/19/2026. |
| up to 72 months | 11.75% | Vehicle year 2024 & Newer, Credit score 599 & below. Max term up to 72 months. Approved 02/19/2026. |
| up to 84 months | 5.45% | Vehicle year 2023 – 2019, Credit score 750+. Max term up to 84 months for 2023 or 60 months for 2021/older. Approved 02/19/2026. |
| up to 84 months | 6.00% | Vehicle year 2023 – 2019, Credit score 749–700. Max term up to 84 months for 2023 or 60 months for 2021/older. Approved 02/19/2026. |
| up to 72 months | 8.75% | Vehicle year 2023 – 2019, Credit score 699–650. Max term up to 72 months for 2022-2023 or 60 months for 2021/older. Approved 02/19/2026. |
| up to 72 months | 11.00% | Vehicle year 2023 – 2019, Credit score 649–600. Max term up to 72 months for 2022-2023 or 60 months for 2021/older. Approved 02/19/2026. |
| up to 72 months | 12.25% | Vehicle year 2023 – 2019, Credit score 599 & below. Max term up to 72 months for 2022-2023 or 60 months for 2021/older. Approved 02/19/2026. |
| up to 60 months | 6.25% | Vehicle year 2018 & Older, Credit score 750+. Max financing term 60 months. Approved 02/19/2026. |
| up to 60 months | 6.75% | Vehicle year 2018 & Older, Credit score 749–700. Max financing term 60 months. Approved 02/19/2026. |
| up to 60 months | 9.50% | Vehicle year 2018 & Older, Credit score 699–650. Max financing term 60 months. Approved 02/19/2026. |
| up to 60 months | 11.50% | Vehicle year 2018 & Older, Credit score 649–600. Max financing term 60 months. Approved 02/19/2026. |
| up to 60 months | 12.50% | Vehicle year 2018 & Older, Credit score 599 & below. Max financing term 60 months. Approved 02/19/2026. |
Sources (1)
- consumersfcu.coop/loans/auto-loans · captured Oct 7, 2026
Who can join Consumer's Federal Credit Union
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