Credit union · NCUA insured
Healthcare Plus Federal Credit Union Auto Loan Rates
Healthcare Plus Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Healthcare Plus Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Aberdeen, SD, where Healthcare Plus Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Healthcare Plus Federal Credit Union
5.24%APR
- Up to
- 7.74% APR
Auto Loans
Lowest rate
Dakotaland Federal Credit Union
4.99%APR
- Up to
- 16.09% APR
Healthcare Plus Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Healthcare Plus 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
Simple interest is charged on the outstanding balance. No prepayment penalties. Credit Disability, Credit Life, Joint Credit Disability, Involuntary Unemployment Insurance, and Joint Credit Life insurance may be available. All consumer loans are charged a $40 loan application fee. All secured title loans will be charged $15 per vehicle to note the lien. Minimum monthly payment is $30.00. Security interest and insurance required (for secured loans over $3,000).
| Terms | APR | Conditions |
|---|---|---|
| — | 5.24%–7.74% | Lowest rate 5.24% APR, Base rate 7.74% APR. Rates are based on APR. Whether buying a new or used car. |
Sources (1)
- hcpfcu.coop/loans-credit/auto-loans · captured Oct 7, 2026
Who can join Healthcare Plus 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to persons who live, work, worship, attend school, own property, or own a business in 22 designated counties in Northeast South Dakota and Southeast North Dakota.
Family and household
- Membership is open to immediate family members of current Healthcare Plus Federal Credit Union members.
Membership information collected October 4, 2026.