Credit union · NCUA insured
Sheridan Community Federal Credit Union Auto Loan Rates
Sheridan Community Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 22, 2026.
How Sheridan Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sheridan, WY, where Sheridan Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sheridan Community Federal Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
New Car Loans
Lowest rate
Sunlight Federal Credit Union
4.45%APR
- Terms
- up to 96 months
- Discount
- Included in the rate
3rd-lowest rate
Citco Federal Credit Union
4.90%APR
- Terms
- up to 72 months
- Discount
- None included
Sheridan Community Federal Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sheridan Community 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.
Motorcycles, 4 Wheelers & Snow Mobiles
With approved credit (W.A.C.). Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.25% | New |
| up to 60 months | 7.35% | 1 year old |
| up to 60 months | 7.45% | 2 years & older |
Sources (2)
All captured Oct 15, 2026
New Car Loans
With approved credit (W.A.C.). Available for purchase or refinance of new cars, trucks, or SUVs. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.45% | — |
| up to 36 months | 4.55% | — |
| up to 48 months | 4.65% | — |
| up to 60 months | 4.75% | — |
| up to 72 months | 5.75% | — |
Sources (3)
- sheridancreditunion.com/resour…rates/vehicle-loan-rates
- sheridancreditunion.com
- sheridancreditunion.com/loans/vehicle-loans/auto-loans
All captured Oct 15, 2026
Used Car Loans
With approved credit (W.A.C.). Available for purchase or refinance of used cars, trucks, or SUVs. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.75% | Model years 2021-2025 |
| up to 66 months | 4.85% | Model years 2016-2020 |
| up to 66 months | 4.95% | Model years 2010-2015 |
| up to 66 months | 6.05% | Model years 2009 & older |
Sources (3)
- sheridancreditunion.com/resour…rates/vehicle-loan-rates
- sheridancreditunion.com
- sheridancreditunion.com/loans/vehicle-loans/auto-loans
All captured Oct 15, 2026
Who can join Sheridan Community Federal Credit Union
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 Sheridan County, Wyoming, as well as businesses and other legal entities located within Sheridan County, Wyoming.
Employers and groups
- Employees of Sheridan Community Federal CU are eligible for membership.
- Organizations or individuals part of an organization in the field of membership are eligible to join.
Family and household
- Immediate family members of someone in the credit union's field of membership are eligible to join.
- Spouses of individuals who died while within the field of membership of the credit union are eligible to join.
Other ways
- Membership is open to individuals who were members of record of Sheridan Community Federal CU as of May 14, 1998.
Membership information collected October 4, 2026.