Credit union · NCUA insured
Voyage Federal Credit Union Auto Loan Rates
Top CarrotVoyage Federal Credit Union auto loans start at 5.59% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Voyage Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where Voyage Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Voyage Federal Credit Union
5.59%APR
- Terms
- 61–72 months
- Up to
- 17.99% APR
- Discount
- None included
Auto Loan
Lowest rate
Service First FCU
4.24%APR
- Terms
- up to 60 months
- Up to
- 13.85% APR
- Discount
- None included
2nd-lowest rate
Black Hills Federal Credit Union
4.74%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
Voyage Federal Credit Union auto loan score
67
Auto loan score
Higher than 20% of U.S. banks and credit unions
- New vehicleNew5.59%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Voyage 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.
Auto Loan
Rates are based on term, model year, or appraisal/tax assessment, and individual credit score. Same-day review and no application fees. Excludes boat, motorcycle, RV.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 5.49%–17.99% | New (2021-New). * $5,000 & under, maximum 48 months. |
| 61–72 months | 5.59%–17.99% | New (2021-New). |
| 73–84 months | 6.59%–17.99% | New (2021-New). ** Available for $35,000/over. |
| 1–60 months | 5.69%–17.99% | Used (2018-2020). * $5,000 & under, maximum 48 months. |
| 61–72 months | 5.99%–17.99% | Used (2018-2020). |
| 73–84 months | 6.99%–17.99% | Used (2018-2020). ** Available for $35,000/over. |
| 1–60 months | 7.09%–17.99% | Used (2013-2017). * $5,000 & under, maximum 48 months. |
| 61–72 months | 8.09%–9.09% | Used (2013-2017). |
| 1–60 months | 8.59%–17.99% | Used (2012-Older). * $5,000 & under, maximum 48 months. |
| 61–72 months | 9.09%–9.59% | Used (2012-Older). |
| — | 5.49% | — |
Sources (3)
All captured Oct 22, 2026
Who can join Voyage 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work (or regularly conduct business in), worship, or attend school in rural districts in 25 counties across 4 states are eligible for membership.
Other ways
- Businesses and other legal entities located in rural districts in 25 counties across 4 states are eligible for membership.
Membership information collected October 4, 2026.