Credit union · NCUA insured
Oahe Federal Credit Union Auto Loan Rates
Oahe Federal Credit Union auto loans start at 4.90% APR for a new vehicle and 5.35% for a used one. Rates checked October 22, 2026.
How Oahe Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pierre, SD, where Oahe Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Oahe Federal Credit Union
4.90%APR
- Terms
- up to 60 months
- Up to
- 11.40% APR
- Discount
- Included in the rate
Auto Loans
Lowest rate
Dakota Plains FCU
3.74%APR
- Terms
- 72–74 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Black Hills Federal Credit Union
4.74%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
Oahe Federal Credit Union auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
By vehicle
- New vehicleNew4.90%
- Used vehicleUsed5.35%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oahe 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
Rates include a 0.50% discount for payroll deduction or automatic payment from an active share draft (checking) account. Rates apply to applicants borrowing up to 115% of sticker price or NADA Book Value. GAP insurance required for loans over 100%. Bankruptcy on credit file adds 1% to rate unless prior debt reaffirmed. Rate match available with floor rate on collateralized loans. $30 loan processing fee at the time of each loan advance request.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.00%–10.50% | 2026-2025 New & Nearly New. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 36 months | 4.30%–10.80% | 2026-2025 New & Nearly New. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 48 months | 4.60%–11.10% | 2026-2025 New & Nearly New. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 60 months | 4.90%–11.40% | 2026-2025 New & Nearly New. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 66 months | 5.05%–11.55% | 2026-2025 New & Nearly New. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 72 months | 5.20%–11.70% | 2026-2025 New & Nearly New. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 78 months | 5.35%–11.85% | 2026-2025 New & Nearly New. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 84 months | 5.50%–12.00% | 2026-2025 New & Nearly New. Minimum loan amount $25,000.00+. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 24 months | 4.50%–11.00% | 2024-2023. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 36 months | 4.80%–11.30% | 2024-2023. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 48 months | 5.10%–11.60% | 2024-2023. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 60 months | 5.40%–11.90% | 2024-2023. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 66 months | 5.55%–12.05% | 2024-2023. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 72 months | 5.70%–12.20% | 2024-2023. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 84 months | 6.00%–12.50% | 2024-2023. Minimum loan amount $25,000.00+. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 24 months | 5.00%–11.50% | 2022-2020. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 36 months | 5.30%–11.80% | 2022-2020. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 48 months | 5.60%–12.10% | 2022-2020. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 60 months | 5.90%–12.40% | 2022-2020. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 66 months | 6.05%–12.55% | 2022-2020. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 72 months | 6.20%–12.70% | 2022-2020. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 78 months | 6.35%–12.85% | 2022 Only. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 24 months | 5.50%–12.05% | 2019-2018. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 36 months | 5.80%–12.30% | 2019-2018. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 48 months | 6.10%–12.60% | 2019-2018. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 60 months | 6.40%–12.90% | 2019-2018. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 66 months | 6.55%–13.05% | 2019-2018. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 48 months | 6.00%–12.50% | 2017 & Older. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
| up to 60 months | 6.30%–12.80% | 2017 & Older. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction. |
Who can join Oahe Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of any business registered with South Dakota Retailers Association are eligible for membership.
- Employees of St. Mary Hospital are eligible for membership.
Military, government and schools
- Employees of Ft. Pierre School District are eligible for membership.
- Employees of Pierre Head Start are eligible for membership.
- Employees of Pierre School District are eligible for membership.
- Employees of Pierre Indian Learning Center are eligible for membership.
5 more ways to join
Military, government and schools
- Employees of the City of Fort Pierre are eligible for membership.
- Employees of the City Of Pierre are eligible for membership.
- Federal Government employees located within 50 miles of Pierre are eligible for membership.
- Employees of the State of South Dakota are eligible for membership.
Family and household
- Immediate family members (relatives by blood, marriage, legal adoption, or legal guardianship) of eligible members are eligible for membership.
Cost to join
- Membership requires maintaining a $25.00 minimum Share Account balance in the primary credit union savings account.
Membership information collected October 4, 2026.