Credit union · NCUA insured
Highmark Federal Credit Union Auto Loan Rates
Highmark Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How Highmark Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rapid City, SD, where Highmark Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Highmark Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Discount
- None included
Auto Loan
Lowest rate
Dakota Plains FCU
3.74%APR
- Terms
- 72–74 months
- Discount
- None included
3rd-lowest rate
Interfaith Federal Credit Union
4.50%APR
- Terms
- 36–84 months
- Discount
- Included in the rate
Highmark Federal Credit Union auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Highmark 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 Loan
Membership eligibility is required. Not all borrowers will qualify for the lowest APR offered. Terms up to 84 months. No application fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.25% | New Car Loans. Rates as low as 4.25% APR. |
| up to 84 months | 5.50% | Used Car Loans. Rates as low as 5.50% APR. |
Sources (2)
All captured Oct 15, 2026
Auto Loan Refinancing
Membership eligibility is required. Not all borrowers will qualify for the lowest APR offered. Terms up to 84 months. No application fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.25% | Auto Loan Refinancing. Rates as low as 4.25% APR. |
Sources (1)
- highmarkfcu.com/personal/borrow/vehicle-loans · captured Oct 15, 2026
Motorcycle Loans
Membership eligibility is required. Not all borrowers will qualify for the lowest APR offered.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.35% | Motorcycle Loans. Rates as low as 5.35% APR. |
Sources (1)
- highmarkfcu.com/personal/borrow/vehicle-loans · captured Oct 15, 2026
Who can join Highmark 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This may be incomplete or out of date, so check with the credit union before you apply.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, or attend school in Butte, Custer, Fall River, Harding, Lawrence, Meade, or Pennington County, South Dakota, or Campbell, Crook, Niobrara, or Weston County, Wyoming.
Family and household
- Membership is open to anyone who has an immediate family member that is a member of Highmark Credit Union.
Membership information collected October 4, 2026.