Credit union · NCUA insured
Service First FCU Auto Loan Rates
Service First FCU auto loans start at 4.24% APR for a new vehicle and 5.64% for a used one. Rates checked October 22, 2026.
How Service First FCU’s auto loan rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where Service First FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Service First FCU
4.24%APR
- Terms
- up to 60 months
- Up to
- 13.85% APR
- Discount
- None included
New Vehicle Auto Loan
2nd-lowest rate
Black Hills Federal Credit Union
4.74%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
Explorers Credit Union
4.99%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- None included
Service First FCU auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed5.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Service First 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 Vehicle Auto Loan
No application or origination fees. Individual rate is determined by credit scores, subject to loan approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75%–14.85% | For 2025 & newer vehicles. Lowest APR requires 750+ credit score; highest APR applies to 599 and below credit score. |
| up to 72 months | 4.55%–14.35% | For 2023 & newer vehicles. Lowest APR requires 750+ credit score; highest APR applies to 599 and below credit score. |
| up to 60 months | 4.24%–13.85% | For 2023 & newer vehicles. Lowest APR requires 750+ credit score; highest APR applies to 599 and below credit score. |
| 6–48 months | 4.15%–12.60% | For 2023 & newer vehicles. Lowest APR requires 750+ credit score; highest APR applies to 599 and below credit score. |
Sources (3)
All captured Oct 4, 2026
Used Vehicle Auto Loan
No application or origination fees. Individual rate is determined by credit scores, subject to loan approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.95%–15.75% | For 2021-2022 only. Lowest APR requires 750+ credit score; highest APR applies to 599 and below credit score. |
| up to 60 months | 5.64%–15.25% | For 2022 & older vehicles. Lowest APR requires 750+ credit score; highest APR applies to 599 and below credit score. |
| 6–48 months | 5.55%–14.00% | For 2022 & older vehicles. Lowest APR requires 750+ credit score; highest APR applies to 599 and below credit score. |
Sources (3)
All captured Oct 4, 2026
Who can join Service First 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 individuals who live, work, worship, or attend school in 43 specified counties across South Dakota, Iowa, Minnesota, and Nebraska.
Membership information collected October 4, 2026.