Auto Loans · Great Falls, Montana
4 credit unions in Great Falls report car loan rates to the NCUA. Rates range from 3.99% to 4.40%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
3.99%
Lowest New Car Rate
4.09%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MONTANA ★ 4.4 · 246 reviews | 3.99% | 4.99% |
| 2 | RUSSELL COUNTRY ★ 4.1 · 84 reviews | 3.99% | 3.99% |
| 3 | 1ST LIBERTY ★ 3.4 · 16 reviews | 3.99% | 4.99% |
| 4 | THE FAMILY FIRST ★ 4.5 · 12 reviews | 4.40% | 5.36% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RUSSELL COUNTRY ★ 4.1 · 84 reviews | 3.99% | 3.99% |
| 2 | MONTANA ★ 4.4 · 246 reviews | 4.99% | 3.99% |
| 3 | 1ST LIBERTY ★ 3.4 · 16 reviews | 4.99% | 3.99% |
| 4 | THE FAMILY FIRST ★ 4.5 · 12 reviews | 5.36% | 4.40% |
A pre-approval from a Great Falls credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Great Falls in the same window and take the best offer.
See member reviews, branch locations, and full rate details.