Credit union · NCUA insured
Ft. Randall Federal Credit Union Auto Loan Rates
Ft. Randall Federal Credit Union auto loans start at 6.00% APR for a new vehicle and 6.00% for a used one. Rates checked October 22, 2026.
How Ft. Randall Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in South Dakota, where Ft. Randall Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ft. Randall Federal Credit Union
6.00%APR
- Terms
- up to 60 months
- Up to
- 15.50% APR
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
Ft. Randall Federal Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew6.00%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ft. Randall 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
Financing available for new and used vehicles. Vehicles over 15 years old will have an unsecured rate. Newer vehicles over 100,000 miles with high retail value may qualify for the regular rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50%–15.00% | Model year: 2020 - NEW; Credit tier: Platinum (750 & above) to Rebuilder (599 & under) |
| up to 48 months | 5.75%–15.25% | Model year: 2020 - NEW; Credit tier: Platinum (750 & above) to Rebuilder (599 & under) |
| up to 60 months | 6.00%–15.50% | Model year: 2020 - NEW; Credit tier: Platinum (750 & above) to Rebuilder (599 & under) |
| up to 72 months | 7.00%–16.50% | Model year: 2020 - NEW; Loan amount over $20,000; Credit tier: Platinum (750 & above) to Rebuilder (599 & under) |
| up to 84 months | 8.00%–17.50% | Model year: 2020 - NEW; Loan amount over $30,000; Credit tier: Platinum (750 & above) to Rebuilder (599 & under) |
| up to 36 months | 7.50%–17.00% | Model year: 2013 - 2019; Credit tier: Platinum (750 & above) to Rebuilder (599 & under) |
| up to 48 months | 8.00%–17.50% | Model year: 2013 - 2019; Credit tier: Platinum (750 & above) to Rebuilder (599 & under) |
| up to 60 months | 8.50%–18.00% | Model year: 2013 - 2019; Credit tier: Platinum (750 & above) to Rebuilder (599 & under) |
| up to 36 months | 9.75%–18.00% | Model year: 2010 and Older; Credit tier: Platinum (750 & above) to Rebuilder (599 & under) |
| up to 48 months | 10.25%–18.00% | Model year: 2010 and Older; Credit tier: Platinum (750 & above) to Rebuilder (599 & under) |
Sources (3)
All captured Oct 4, 2026
Who can join Ft. Randall 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
- Anyone who lives, works, worships, volunteers, or attends school in Brule, Bon Homme, Charles Mix, Douglas, Gregory, or Hutchinson Counties in South Dakota is eligible for membership.
Family and household
- Immediate family members of current credit union members are eligible for membership, even if they do not live in the six-county service area.
Cost to join
- Joining requires opening a membership savings account with an unstated minimum deposit to establish ownership in the credit union.
Membership information collected October 4, 2026.