Credit union · NCUA insured
Valley Credit Union Auto Loan Rates
Valley Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Valley Credit Union’s auto loan rates compare
Compared with banks and credit unions near Billings, MT, where Valley Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Valley Credit Union
5.24%APR
- Terms
- —
- Discount
- None included
Auto Loans
Lowest rate
Billings Federal Credit Union
2.49%APR
- Terms
- up to 84 months
- Discount
- None included
2nd-lowest rate
Black Hills Federal Credit Union
4.74%APR
- Terms
- —
- Discount
- Included in the rate
Valley Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- 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 Valley 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.
Auto Loans
Membership eligibility required. Competitive financing on new or used vehicles. Rates are subject to credit criteria, collateral, and term. Certain restrictions apply.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.24% | Rates as low as 5.24% APR. Subject to credit criteria, collateral, and term. |
Sources (1)
- valleyfcu.com/loans/consumer-loans/auto-loans.html · captured Oct 4, 2026
Who can join Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship or attend school in, and businesses and other legal entities located in specified counties in Montana (Beaverhead, Big Horn, Broadwater, Carbon, Carter, Cascade, Chouteau, Custer, Dawson, Deer Lodge, Fallon, Fergus, Flathead, Gallatin, Garfield, Golden Valley, Jefferson, Judith Basin, Lewis and Clark, Madison, McCone, Meagher, Missoula, Musselshell, Park, Petroleum, Powder River, Powell, Prairie, Richland, Rosebud, Silver Bow, Stillwater, Sweet Grass, Treasure, Wheatland, Wibaux or Yellowstone Counties) or Park County, Wyoming are eligible to join.
Employers and groups
- Persons retired as pensioners or annuitants from qualifying employment, and organizations of such persons, are eligible to join.
Family and household
- Relatives of someone who qualifies for membership are eligible to join regardless of where they live or work, including parents, spouse, children, grandchildren, siblings, stepparents, stepchildren, stepsiblings, and adoptive relationships.
- Spouses of persons who died while within the field of membership of the credit union are eligible to join.
Cost to join
- Membership requires opening a Regular Savings account with as little as $25.
Membership information collected October 4, 2026.