Credit union · NCUA insured
Ravalli County Federal Credit Union Auto Loan Rates
Top CarrotRavalli County Federal Credit Union auto loans start at 4.65% APR for a new vehicle and 4.65% for a used one. Rates checked October 7, 2026.
How Ravalli County Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in Montana, where Ravalli County Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ravalli County Federal Credit Union
4.65%APR
- Terms
- up to 72 months
New & Used Autos (New Wheels & Community Meals)
Lowest rate
Russell Country Federal Credit Union
3.95%APR
- Terms
- 37–60 months
2nd-lowest rate
Billings Federal Credit Union
2.49%APR
- Terms
- up to 84 months
Ravalli County Federal Credit Union auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.65%
- Used vehicleUsed4.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ravalli County 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 Rates 2016 - 2026
All loans on approved credit. Rates listed are for members with an A+ (750 or higher) credit score. Rates will be risk-rated dependent on credit score and may be higher. Base rate is .15% over A+ rate.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 5.00% | For members with an A+ (750 or higher) credit score on approved credit. |
| 61–72 months | 5.25% | Minimum $15,000 financed. For members with an A+ (750 or higher) credit score on approved credit. |
| 73–84 months | 5.50% | Minimum $25,000 financed. For members with an A+ (750 or higher) credit score on approved credit. |
Sources (1)
- ravallicountyfcu.org/loans · captured Oct 7, 2026
New & Used Autos (New Wheels & Community Meals)
Rate requires a donation of 6 boxes of cereal, a case of boxed food, or a case of canned food to support Haven House and Pantry Partners. Rate based on creditworthiness and approval. Rate matching is available. No application fees or hidden costs.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.65% | On approved credit (OAC). Requires donation of 6 boxes of cereal, a case of boxed food, or a case of canned food. |
Sources (1)
- ravallicountyfcu.org/loans/auto-rv-loan-special · captured Sep 16, 2026
Who can join Ravalli County Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.