Credit union · NCUA insured
Lakota FCU Auto Loan Rates
Top CarrotLakota FCU auto loans start at 5.39% APR for a new vehicle and 6.19% for a used one. Rates checked October 22, 2026.
How Lakota FCU’s auto loan rates compare
Compared with banks and credit unions in South Dakota, where Lakota FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lakota FCU
5.39%APR
- Terms
- up to 60 months
- Up to
- 11.50% APR
New or Nearly New (2024 or Newer)
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
Lakota FCU auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.39%
- Used vehicleUsed6.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lakota FCU 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.
New or Nearly New (2024 or Newer)
Rates effective as of March 10th, 2026. Available to qualified members. Rate and down payment based on creditworthiness, length of loan, and credit history. Any vehicles with over 100,000 miles have a maximum term of 36 months. Some terms subject to minimum amount financed. Maximum loan amount up to $100,000 or aggregate of 10% of unimpaired capital, whichever is lower.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.74%–11.00% | Tiers A+ (700+) to C (620-500). Max Loan to Value: A+, A = 100% of Purchase Price (New vehicles only); B = 95% of MSRP; C = 90% of MSRP. |
| up to 36 months | 5.10%–11.15% | Tiers A+ (700+) to C (620-500). Max Loan to Value: A+, A = 100% of Purchase Price (New vehicles only); B = 95% of MSRP; C = 90% of MSRP. |
| up to 48 months | 5.24%–11.35% | Tiers A+ (700+) to C (620-500). Max Loan to Value: A+, A = 100% of Purchase Price (New vehicles only); B = 95% of MSRP; C = 90% of MSRP. |
| up to 60 months | 5.39%–11.50% | Tiers A+ (700+) to C (620-500). Max Loan to Value: A+, A = 100% of Purchase Price (New vehicles only); B = 95% of MSRP; C = 90% of MSRP. |
| up to 72 months | 5.40%–11.65% | Tiers A+ (700+) to C (620-500). Max Loan to Value: A+, A = 100% of Purchase Price (New vehicles only); B = 95% of MSRP; C = 90% of MSRP. |
| up to 84 months | 5.60%–12.65% | Tiers A+ (700+) to C (620-500). Max Loan to Value: A+, A = 100% of Purchase Price (New vehicles only); B = 95% of MSRP; C = 90% of MSRP. 72 and 84 months for New vehicles only. |
Used Vehicles (2012 and Older)
Rates effective as of March 10th, 2026. Available to qualified members. Rate and down payment based on creditworthiness, length of loan, and credit history. Any vehicles with over 100,000 miles have a maximum term of 36 months. Some terms subject to minimum amount financed. Maximum loan amount up to $100,000 or aggregate of 10% of unimpaired capital, whichever is lower.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 8.28%–14.60% | Tiers A+ through C (A+: 8.28%, A: 8.58%, B: 12.60%, C: 14.60%). Max Loan to Value: All categories= 50% of NADA and inspection required on all. |
Used Vehicles (2013-2017)
Rates effective as of March 10th, 2026. Available to qualified members. Rate and down payment based on creditworthiness, length of loan, and credit history. Any vehicles with over 100,000 miles have a maximum term of 36 months. Some terms subject to minimum amount financed. Maximum loan amount up to $100,000 or aggregate of 10% of unimpaired capital, whichever is lower.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.99%–13.60% | Tiers A+ through C (A+: 7.99%, A: 8.29%, B: 11.60%, C: 13.60%). Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 90% of NADA retail; C = 80% of NADA retail. |
Used Vehicles (2018-2019)
Rates effective as of March 10th, 2026. Available to qualified members. Rate and down payment based on creditworthiness, length of loan, and credit history. Any vehicles with over 100,000 miles have a maximum term of 36 months. Some terms subject to minimum amount financed. Maximum loan amount up to $100,000 or aggregate of 10% of unimpaired capital, whichever is lower.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.84%–12.60% | Tiers A+ through C (A+: 6.84%, A: 7.14%, B: 10.60%, C: 12.60%). Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail. |
Used Vehicles (2020-2021)
Rates effective as of March 10th, 2026. Available to qualified members. Rate and down payment based on creditworthiness, length of loan, and credit history. Any vehicles with over 100,000 miles have a maximum term of 36 months. Some terms subject to minimum amount financed. Maximum loan amount up to $100,000 or aggregate of 10% of unimpaired capital, whichever is lower.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.79%–13.10% | Tiers A+ to C. Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail. |
| up to 36 months | 6.05%–13.15% | Tiers A+ to C. Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail. |
| up to 48 months | 6.19%–13.30% | Tiers A+ to C. Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail. |
| up to 60 months | 6.24%–13.50% | Tiers A+ to C. Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail. |
Used Vehicles (2022-2023)
Rates effective as of March 10th, 2026. Available to qualified members. Rate and down payment based on creditworthiness, length of loan, and credit history. Any vehicles with over 100,000 miles have a maximum term of 36 months. Some terms subject to minimum amount financed. Maximum loan amount up to $100,000 or aggregate of 10% of unimpaired capital, whichever is lower.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.54%–11.35% | Tiers A+ (700+) to C (620-500). Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail. |
| up to 36 months | 5.90%–11.50% | Tiers A+ (700+) to C (620-500). Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail. |
| up to 48 months | 6.04%–11.65% | Tiers A+ (700+) to C (620-500). Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail. |
| up to 60 months | 6.19%–11.80% | Tiers A+ (700+) to C (620-500). Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail. |
Who can join Lakota FCU
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 (or regularly conduct business in), worship, attend school in, participate in associations headquartered in, or participate in programs to alleviate poverty or distress located in, and organizations located in the tribal lands of Jackson County and all of Oglala Lakota, Bennett, Todd, Mellette, Trip, or Gregory Counties in South Dakota.
Cost to join
- Membership requires opening a Share Account with a minimum deposit of $5.00 and presenting a federally recognized form of ID at the office.
Membership information collected October 4, 2026.