Credit union · NCUA insured
Southwest Montana Community Federal Credit Union Auto Loan Rates
Southwest Montana Community Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Southwest Montana Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Butte, MT, where Southwest Montana Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southwest Montana Community Federal Credit Union
4.99%APR
- Terms
- up to 60 months
New Vehicles (2024-2026)
Lowest rate
Northwestern Energy Employees FCU
4.49%APR
- Terms
- —
2nd-lowest rate
Mile High FCU
4.49%APR
- Terms
- up to 84 months
Southwest Montana Community Federal Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southwest Montana 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.
New Vehicles (2024-2026)
Current or last model year with <30,000 miles and factory warranty remaining; 80% LTV; 100% financing available on all purchases; no processing or application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24% | Rates as low as |
| up to 36 months | 4.49% | Rates as low as |
| up to 48 months | 4.49% | Rates as low as |
| up to 60 months | 4.99% | Rates as low as |
| up to 72 months | 5.30% | Rates as low as |
| up to 84 months | 5.60% | Rates as low as |
Sources (1)
- swmcfcu.org/loans/personal-loans/auto-loans · captured Oct 7, 2026
Used Vehicles (2016-2020)
100% financing available on all purchases; no processing or application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.99% | Rates as low as |
| up to 36 months | 6.99% | Rates as low as |
| up to 48 months | 7.74% | Rates as low as |
| up to 60 months | 7.99% | Rates as low as |
Sources (2)
All captured Oct 7, 2026
Used Vehicles (2021-2023)
100% financing available on all purchases; no processing or application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24% | Rates as low as |
| up to 36 months | 4.49% | Rates as low as |
| up to 48 months | 4.99% | Rates as low as |
| up to 60 months | 5.24% | Rates as low as |
| up to 72 months | 5.74% | Rates as low as |
| up to 84 months | 6.24% | Rates as low as |
Sources (2)
All captured Oct 7, 2026
Who can join Southwest Montana 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
- Individuals who live, work, worship, attend school, or perform volunteer services in Anaconda-Deer Lodge or Butte-Silver Bow Counties, Granite, Powell, Jefferson, Beaverhead, or Madison counties Montana are eligible to join.
Family and household
- Immediate family of individuals eligible through the community charter in specified Montana counties are eligible to join.
Membership information collected October 4, 2026.