Credit union · NCUA insured
Explorers Credit Union Auto Loan Rates
Explorers Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Explorers Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where Explorers Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Explorers Credit Union
4.99%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- None included
Autos: 2021-2026
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
- —
- Discount
- Included in the rate
Explorers Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Explorers 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.
Autos: 2014 And Older
Model year 2014 and older autos. Standard underwriting guidelines apply. No application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.49% | Credit score 750+ |
| 37–48 months | 7.99% | Credit score 750+ |
| up to 36 months | 8.24% | Credit score 700-749 |
| 37–48 months | 8.74% | Credit score 700-749 |
| up to 36 months | 9.49% | Credit score 675-699 |
| 37–48 months | 9.99% | Credit score 675-699 |
| up to 36 months | 11.49% | Credit score 650-674 |
| 37–48 months | 11.99% | Credit score 650-674 |
| up to 36 months | 14.49% | Credit score 560-649 |
| 37–48 months | 15.24% | Credit score 560-649 |
Sources (1)
- explorerscu.com/loans/auto · captured Oct 7, 2026
Autos: 2015-2020
Model year 2015–2020 autos. Standard underwriting guidelines apply. No application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | Credit score 750+ |
| 37–48 months | 5.74% | Credit score 750+ |
| 49–60 months | 5.99% | Credit score 750+ |
| 61–72 months | 6.49% | Credit score 750+ |
| up to 36 months | 6.49% | Credit score 700-749 |
| 37–48 months | 6.74% | Credit score 700-749 |
| 49–60 months | 6.99% | Credit score 700-749 |
| 61–72 months | 7.49% | Credit score 700-749 |
| up to 36 months | 8.49% | Credit score 675-699 |
| 37–48 months | 8.74% | Credit score 675-699 |
| 49–60 months | 8.99% | Credit score 675-699 |
| 61–72 months | 9.49% | Credit score 675-699 |
| up to 36 months | 10.74% | Credit score 650-674 |
| 37–48 months | 10.99% | Credit score 650-674 |
| 49–60 months | 11.49% | Credit score 650-674 |
Sources (1)
- explorerscu.com/loans/auto · captured Oct 7, 2026
Autos: 2021-2026
Model year 2021–2026 autos. 73-84 month term available for model year 2022 or newer. Standard underwriting guidelines apply. No application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Credit score 750+ |
| 37–48 months | 4.74% | Credit score 750+ |
| 49–60 months | 4.99% | Credit score 750+ |
| 61–72 months | 5.49% | Credit score 750+ |
| 73–84 months | 6.24% | Credit score 750+. Model year 2022 or newer. |
| up to 36 months | 5.49% | Credit score 700-749 |
| 37–48 months | 5.74% | Credit score 700-749 |
| 49–60 months | 5.99% | Credit score 700-749 |
| 61–72 months | 6.49% | Credit score 700-749 |
| 73–84 months | 7.24% | Credit score 700-749. Model year 2022 or newer. |
| up to 36 months | 7.49% | Credit score 675-699 |
| 37–48 months | 7.74% | Credit score 675-699 |
| 49–60 months | 7.99% | Credit score 675-699 |
| 61–72 months | 8.49% | Credit score 675-699 |
| 73–84 months | 9.49% | Credit score 675-699. Model year 2022 or newer. |
| up to 36 months | 9.74% | Credit score 650-674 |
| 37–48 months | 9.99% | Credit score 650-674 |
| 49–60 months | 10.49% | Credit score 650-674 |
| 61–72 months | 11.49% | Credit score 650-674 |
Sources (1)
- explorerscu.com/loans/auto · captured Oct 7, 2026
Fresh Air Freedom Loan
Offer limited to 2015 or newer auto, motorcycle, camper, or boat purchase loans through Explorers CU or refinancing said vehicle loans from other lenders. Auto loans currently with Explorers CU are not eligible. Minimum loan amount of $5,000 required. No payments for 90 days. Must apply by October 31, 2020.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 1.99% | As low as 1.99% APR. Rates and terms based on credit score. 2015 or newer vehicles. Must apply by October 31, 2020. |
Sources (1)
- explorerscu.com/loans/auto/lower-payments-ahead · captured Oct 7, 2026
Who can join Explorers 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 individuals who live, work, worship, volunteer, or attend school in designated counties in South Dakota and Nebraska.
Family and household
- Immediate family members of Explorers CU members are eligible for membership.
Cost to join
- A minimum share savings account deposit of $10 is required to establish membership.
Membership information collected October 4, 2026.