Credit union · NCUA insured
Montana Credit Union Auto Loan Rates
Top CarrotMontana Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 22, 2026.
How Montana Credit Union’s auto loan rates compare
Compared with banks and credit unions near Great Falls, MT, where Montana Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Montana Credit Union
3.99%APR
- Terms
- up to 60 months
Auto Loans (2023 and newer)
Lowest rate
Russell Country Federal Credit Union
3.95%APR
- Terms
- 37–60 months
2nd-lowest rate
1st Liberty Federal Credit Union
3.99%APR
- Terms
- —
Montana Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Montana 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 (2015 and older)
Rates include automatic payment option. Rates based on credit history, creditworthiness, qualifications, collateral conditions, and ability to repay. On approved credit (OAC).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.99% | Term up to 60 months (OAC). 2015 and older vehicles. |
Sources (2)
All captured Oct 7, 2026
Auto Loans (2016 to 2022)
Rates include automatic payment option. Rates based on credit history, creditworthiness, qualifications, collateral conditions, and ability to repay. On approved credit (OAC).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Term up to 36 months (OAC). 2016 to 2022 vehicles. |
| up to 60 months | 4.99% | Term up to 60 months (OAC). 2016 to 2022 vehicles. |
| up to 75 months | 5.49% | Term up to 75 months (OAC). 2016 to 2022 vehicles. |
| up to 84 months | 6.24% | Term up to 84 months (OAC). 2016 to 2022 vehicles. |
Sources (2)
All captured Oct 7, 2026
Auto Loans (2023 and newer)
Rates include automatic payment option. Rates based on credit history, creditworthiness, qualifications, collateral conditions, and ability to repay. Not over retail. Up to 100% financing without down payment for qualified buyers. On approved credit (OAC).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.99% | Term up to 60 months (OAC). 2023 and newer vehicles (not over retail). |
| 61–75 months | 4.99% | Term 61 to 75 months (OAC). 2023 and newer vehicles (not over retail). |
| 76–84 months | 5.99% | Term 76 to 84 months (OAC). 2023 and newer vehicles (not over retail). |
| 85–96 months | 6.99% | Term 85 to 96 months (OAC). 2023 and newer vehicles (not over retail). |
Sources (2)
All captured Oct 7, 2026
Who can join Montana Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.