Credit union · NCUA insured
Vocal Credit Union Auto Loan Rates
Vocal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Vocal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Helena, MT, where Vocal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Vocal Credit Union
5.49%APR
- Terms
- up to 72 months
New & Used Vehicle Loans
Lowest rate
Southwest Montana Community Federal Credit Union
4.99%APR
- Terms
- up to 60 months
3rd-lowest rate
Chase
6.24%APR
- Terms
- up to 60 months
Vocal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Vocal 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 & Used Vehicle Loans
Must qualify for membership by living, working, or worshipping within Jefferson, Meagher, Broadwater, or Lewis and Clark counties in Montana. No application fee. Rates and terms are based on credit history and income assessment, not the age of the vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.49% | Fixed rate on approved credit; rate is determined based on credit score and history. |
Who can join Vocal 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This may be incomplete or out of date, so check with the credit union before you apply.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, worship, work in, or attend school in, and businesses and other legal entities located in Beaverhead, Broadwater, Golden Valley, Jefferson County, Judith Basin, Lewis and Clark, Madison, Meagher, Powell, or Wheatland county, Montana are eligible for membership.
Family and household
- Persons related to someone who meets the geographic eligibility qualifications can join Vocal Credit Union.
Membership information collected October 4, 2026.