Credit union · NCUA insured
Dakota Plains FCU Auto Loan Rates
Dakota Plains FCU auto loans start at 3.74% APR for a new vehicle. Rates checked October 15, 2026.
How Dakota Plains FCU’s auto loan rates compare
Compared with banks and credit unions near Rapid City, SD, where Dakota Plains FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Dakota Plains FCU
3.74%APR
- Terms
- 72–74 months
- Discount
- None included
New Vehicles
2nd-lowest rate
Highmark Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Discount
- None included
3rd-lowest rate
Interfaith Federal Credit Union
4.50%APR
- Terms
- 36–84 months
- Discount
- Included in the rate
Dakota Plains FCU auto loan score
87
Auto loan score
Higher than 78% of U.S. banks and credit unions
- New vehicleNew3.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Dakota Plains FCU 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.
New Motorcycles
Rates shown may be REDUCED by a .25% discount for autopay OR 90% LTV or less. Must be current model year or no older than 1 model year and previously unregistered. With discount, rates range from 5.00% to 11.50% based on credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.25% | Rates shown may be REDUCED by a .25% discount for autopay OR 90% LTV or less. Must be current model year or no older than 1 model year and previously unregistered. With discount, rates range from 5.00% to 11.50% based on credit history. |
Sources (1)
- dakotaplainsfcu.com/loan-rates · captured Oct 15, 2026
New Vehicles
Rates shown can be REDUCED by .25% with DPFCU autopay OR 80% Equity or more. Must have less than 10,000 miles, have not been previously titled and be no older than 1 model year to qualify as “new”. $15,000 minimum loan on 61-72 mo. loans. $25,000 minimum on 73-84 mo. loans. With discount, rates range from 2.19% to 8.00% based on credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.44% | Rates shown can be REDUCED by .25% with DPFCU autopay OR 80% Equity or more. Must have less than 10,000 miles, have not been previously titled and be no older than 1 model year to qualify as “new”. With discount, rates range from 2.19% to 8.00% based on credit history. |
| up to 48 months | 2.74% | Rates shown can be REDUCED by .25% with DPFCU autopay OR 80% Equity or more. Must have less than 10,000 miles, have not been previously titled and be no older than 1 model year to qualify as “new”. With discount, rates range from 2.19% to 8.00% based on credit history. |
| 49–60 months | 2.99% | Rates shown can be REDUCED by .25% with DPFCU autopay OR 80% Equity or more. Must have less than 10,000 miles, have not been previously titled and be no older than 1 model year to qualify as “new”. With discount, rates range from 2.19% to 8.00% based on credit history. |
| 61–66 months | 3.24% | $15,000 minimum loan on 61-72 mo. loans. Rates shown can be REDUCED by .25% with DPFCU autopay OR 80% Equity or more. Must have less than 10,000 miles, have not been previously titled and be no older than 1 model year to qualify as “new”. With discount, rates range from 2.19% to 8.00% based on credit history. |
| 72–74 months | 3.74% | $15,000 minimum loan on 61-72 mo. loans. Rates shown can be REDUCED by .25% with DPFCU autopay OR 80% Equity or more. Must have less than 10,000 miles, have not been previously titled and be no older than 1 model year to qualify as “new”. With discount, rates range from 2.19% to 8.00% based on credit history. |
| 75–84 months | 4.49%–5.74% | $25,000 minimum on 73-84 mo. loans. Rates shown can be REDUCED by .25% with DPFCU autopay OR 80% Equity or more. Must have less than 10,000 miles, have not been previously titled and be no older than 1 model year to qualify as “new”. With discount, rates range from 2.19% to 8.00% based on credit history. |
Sources (1)
- dakotaplainsfcu.com/loan-rates · captured Oct 15, 2026
Used Vehicles
With discount, rates range from 2.19% to 8.00% based on credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.44% | With discount, rates range from 2.19% to 8.00% based on credit history. |
| up to 48 months | 2.74% | With discount, rates range from 2.19% to 8.00% based on credit history. |
| 49–72 months | 2.99%–3.74% | With discount, rates range from 2.19% to 8.00% based on credit history. |
Sources (1)
- dakotaplainsfcu.com/loan-rates · captured Oct 15, 2026
Who can join Dakota Plains FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.