Credit union · NCUA insured
East River Federal Credit Union Auto Loan Rates
East River Federal Credit Union auto loans start at 5.15% APR for a new vehicle and 5.15% for a used one. Rates checked October 22, 2026.
How East River Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in South Dakota, where East River Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
East River Federal Credit Union
5.15%APR
- Terms
- 37–60 months
- Up to
- —
Auto Loans (2022 - 2020)
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
East River Federal Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew5.15%
- Used vehicleUsed5.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where East River 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 (2013 & Older)
Minimum loan term 1 month, maximum 84 months. Maximum APR 18.00%. Rate determined by collateral offered, term, and credit history. Membership eligibility required. Consumer loan processing fee is $75. No pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 6.65% | 80% Loan-To-Value (LTV). Pro Discount: 0.25% (25 bps) discount with 2 of 3 coverage products (GAP, MBP, Debt Protection) and automatic payments. |
Sources (2)
All captured Oct 7, 2026
Auto Loans (2019 - 2014)
Minimum loan term 1 month, maximum 84 months. Maximum APR 18.00%. Rate determined by collateral offered, term, and credit history. Membership eligibility required. Consumer loan processing fee is $75. No pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.90% | 80% Loan-To-Value (LTV). Pro Discount: 0.25% (25 bps) discount with 2 of 3 coverage products (GAP, MBP, Debt Protection) and automatic payments. |
| 37–60 months | 6.15% | 80% Loan-To-Value (LTV). Pro Discount: 0.25% (25 bps) discount with 2 of 3 coverage products (GAP, MBP, Debt Protection) and automatic payments. |
Sources (2)
All captured Oct 7, 2026
Auto Loans (2022 - 2020)
Minimum loan term 1 month, maximum 84 months. Maximum APR 18.00%. Rate determined by collateral offered, term, and credit history. Membership eligibility required. Consumer loan processing fee is $75. No pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.90% | 80% Loan-To-Value (LTV). Pro Discount: 0.25% (25 bps) discount with 2 of 3 coverage products (GAP, MBP, Debt Protection) and automatic payments. |
| 37–60 months | 5.15% | 80% Loan-To-Value (LTV). Pro Discount: 0.25% (25 bps) discount with 2 of 3 coverage products (GAP, MBP, Debt Protection) and automatic payments. |
| 61–72 months | 5.40% | 80% Loan-To-Value (LTV). Pro Discount: 0.25% (25 bps) discount with 2 of 3 coverage products (GAP, MBP, Debt Protection) and automatic payments. |
| 73–84 months | 5.65% | 80% Loan-To-Value (LTV). Pro Discount: 0.25% (25 bps) discount with 2 of 3 coverage products (GAP, MBP, Debt Protection) and automatic payments. |
Sources (2)
All captured Oct 7, 2026
Auto Loans (2023 & Newer)
Minimum loan term 1 month, maximum 84 months. Maximum APR 18.00%. Rate determined by collateral offered, term, and credit history. Membership eligibility required. Consumer loan processing fee is $75. No pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.90% | 80% Loan-To-Value (LTV). Pro Discount: 0.25% (25 bps) discount with 2 of 3 coverage products (GAP, MBP, Debt Protection) and automatic payments. |
| 37–60 months | 5.15% | 80% Loan-To-Value (LTV). Pro Discount: 0.25% (25 bps) discount with 2 of 3 coverage products (GAP, MBP, Debt Protection) and automatic payments. |
| 61–72 months | 5.40% | 80% Loan-To-Value (LTV). Pro Discount: 0.25% (25 bps) discount with 2 of 3 coverage products (GAP, MBP, Debt Protection) and automatic payments. |
| 73–84 months | 5.65% | 80% Loan-To-Value (LTV). Pro Discount: 0.25% (25 bps) discount with 2 of 3 coverage products (GAP, MBP, Debt Protection) and automatic payments. |
Sources (2)
All captured Oct 7, 2026
Who can join East River Federal Credit Union
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