Credit union · NCUA insured
Sugar Valley FCU Auto Loan Rates
Sugar Valley FCU auto loans start at 5.29% APR for a new vehicle and 5.29% for a used one. Rates checked October 22, 2026.
How Sugar Valley FCU’s auto loan rates compare
Compared with banks and credit unions near Scottsbluff, NE, where Sugar Valley FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sugar Valley FCU
5.29%APR
- Terms
- up to 60 months
- Up to
- 13.79% APR
- Discount
- None included
Auto Loans
Lowest rate
Meridian Trust Federal Credit Union
4.74%APR
- Terms
- up to 96 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
Security First Bank
5.29%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- None included
Sugar Valley FCU auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed5.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sugar Valley 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.
Auto Loans
We offer financing for new and used autos. Value on New is established as the MSRP; Value on Used is established as the NADA Retail Value. All vehicles used for collateral must be driven to the Credit Union for inspection. Not all borrowers will qualify for the lowest rate. All loans are subject to a rate increase of 0.15% if borrower does not utilizing payroll deduction or automatic payments set up through the credit union. $10.00 credit report fee. Paperwork includes application, credit report, income verification.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.49%–13.99% | Maximum amount 100% of value. Rate based on individual credit rating score. Subject to 0.15% rate increase without payroll deduction or automatic payments. Value on New established as MSRP. |
| up to 72 months | 5.39%–13.89% | Maximum amount 125% of value. Rate based on individual credit rating score. Subject to 0.15% rate increase without payroll deduction or automatic payments. Value on New established as MSRP. |
| up to 60 months | 5.29%–13.79% | Maximum amount 125% of value. Rate based on individual credit rating score. Subject to 0.15% rate increase without payroll deduction or automatic payments. Value on New established as MSRP. |
| up to 48 months | 5.19%–13.69% | Maximum amount 125% of value. Rate based on individual credit rating score. Subject to 0.15% rate increase without payroll deduction or automatic payments. Value on New established as MSRP. |
| up to 36 months | 5.09%–13.59% | Maximum amount 125% of value. Rate based on individual credit rating score. Subject to 0.15% rate increase without payroll deduction or automatic payments. Value on New established as MSRP. |
| up to 24 months | 4.99%–13.49% | Maximum amount 125% of value. Rate based on individual credit rating score. Subject to 0.15% rate increase without payroll deduction or automatic payments. Value on New established as MSRP. |
| up to 84 months | 5.99%–14.49% | Maximum amount 100% of value. Rate based on individual credit rating score. Subject to 0.15% rate increase without payroll deduction or automatic payments. Value on Used established as NADA Retail Value. |
| up to 72 months | 5.89%–14.39% | Maximum amount 125% of value. Rate based on individual credit rating score. Subject to 0.15% rate increase without payroll deduction or automatic payments. Value on Used established as NADA Retail Value. |
| up to 60 months | 5.79%–14.29% | Maximum amount 125% of value. Rate based on individual credit rating score. Subject to 0.15% rate increase without payroll deduction or automatic payments. Value on Used established as NADA Retail Value. |
| up to 48 months | 5.69%–14.19% | Maximum amount 125% of value. Rate based on individual credit rating score. Subject to 0.15% rate increase without payroll deduction or automatic payments. Value on Used established as NADA Retail Value. |
| up to 36 months | 5.59%–14.09% | Maximum amount 125% of value. Rate based on individual credit rating score. Subject to 0.15% rate increase without payroll deduction or automatic payments. Value on Used established as NADA Retail Value. |
| up to 24 months | 5.49%–13.99% | Maximum amount 125% of value. Rate based on individual credit rating score. Subject to 0.15% rate increase without payroll deduction or automatic payments. Value on Used established as NADA Retail Value. |
Sources (1)
- sugarvalleyfcu.org/rates-policies · captured Oct 22, 2026
Who can join Sugar Valley FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of MC Schaff & Associates are eligible for membership.
- Employees of Mitchell Health Care Center are eligible for membership.
- Employees of Regional West Health Services are eligible for membership.
- Employees of Regional West Medical Center are eligible for membership.
- Employees of Western Pathology Consultants are eligible for membership.
- Employees of Western Sugar Cooperative are eligible for membership.
8 more ways to join
Military, government and schools
- Employees of Cities of Scottsbluff & Gering are eligible for membership.
- Employees of Region 1 Office of Human Development are eligible for membership.
- Employees of Scottsbluff County are eligible for membership.
- Employees of Scottsbluff & Gering Public Schools are eligible for membership.
- Employees of State of Nebraska are eligible for membership.
- Employees of the US Government are eligible for membership.
- Employees of Western Nebraska Comm. College are eligible for membership.
Family and household
- Family members of eligible employee group members are eligible for membership.
Membership information collected October 4, 2026.