Credit union · NCUA insured
Sky Federal Credit Union Auto Loan Rates
Sky Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 6.74% for a used one. Rates checked October 22, 2026.
How Sky Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bozeman, MT, where Sky Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sky Federal Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
Vehicle Loans
Lowest rate
Clearwater Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- 16.75% APR
2nd-lowest rate
Valley Credit Union
5.24%APR
- Terms
- —
- Up to
- —
Sky Federal Credit Union auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed6.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sky 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.
ECO Auto Loans
For new or used electric vehicles. Up to 110% financing available on all purchases. Convenient first payment isn't due for 90 days. Flexible terms. No pre-payment penalties. Maximum term is based on loan type and creditworthiness. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24% | For new or used electric vehicles. As low as 5.24% APR (60 months); maximum term is up to 84 months. |
Sources (2)
All captured Oct 4, 2026
Vehicle Loans
New or used vehicles. Up to 110% financing available on all purchases. Convenient first payment isn't due for 90 days. No pre-payment penalties. All loans subject to customary due diligence underwriting and credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24% | New vehicles. As low as 5.24% APR for 60 months. |
| up to 84 months | 6.74% | Used vehicles. As low as 6.74% APR for 84 months. |
| up to 48 months | 4.99% | Rates as low as 4.99% APR for up to 48 month term. |
Sources (3)
All captured Oct 4, 2026
Who can join Sky 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This may be incomplete or out of date, so check with the credit union before you apply.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, conduct business, worship, attend school, or participate in qualifying associations or programs, as well as businesses and organizations located in designated counties across Montana, Idaho, and Wyoming.
Family and household
- Immediate family members of eligible persons are eligible to join Sky Federal Credit Union.
Membership information collected October 4, 2026.