Auto Loans · South Dakota
33 credit unions in South Dakota report car loan rates to the NCUA. Rates range from 3.74% to 11.95%.
Updated Q1 2026 · NCUA Call Report data
33
CUs Reporting Rates
3.74%
Lowest New Car Rate
5.95%
State Average Rate
22
Cities Covered
33 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SERVICE FIRST Sioux Falls | 3.74% | 5.75% |
| 2 | CONSUMER'S Gregory | 4.49% | 6.25% |
| 3 | NORSTAR Britton | 4.50% | 4.50% |
| 4 | DACOTAH Rapid City | 4.72% | 7.85% |
| 5 | HURON AREA EDUCATION HURON | 4.99% | 5.25% |
| 6 | OAHE Pierre | 5.10% | 5.45% |
| 7 | EXPLORERS YANKTON | 5.11% | 6.46% |
| 8 | EAST RIVER Madison | 5.14% | 5.82% |
| 9 | LEVO Sioux Falls | 5.24% | 5.74% |
| 10 | HEALTHCARE PLUS Aberdeen | 5.24% | 5.24% |
| 11 | ASPEN Rapid City | 5.25% | 6.00% |
| 12 | DAKOTA PLAINS Lemmon | 5.45% | 5.20% |
| 13 | DAKOTA STAR RAPID CITY | 5.49% | 6.05% |
| 14 | SENTINEL BOX ELDER | 5.49% | 7.16% |
| 15 | BLUESTONE Sioux Falls | 5.50% | 6.13% |
| 16 | NORTHERN HILLS STURGIS | 5.55% | 6.50% |
| 17 | VOYAGE Sioux Falls | 5.59% | 7.09% |
| 18 | DAKOTALAND Huron | 5.63% | 6.39% |
| 19 | HB TELCO Huron | 5.75% | 5.75% |
| 20 | RUSHMORE ELECTRIC Rapid City | 5.76% | 6.88% |
| 21 | AREA ABERDEEN | 5.85% | 5.85% |
| 22 | BLACK HILLS Rapid City | 5.99% | 7.45% |
| 23 | M O Huron | 6.04% | 7.35% |
| 24 | PALACE CITY Mitchell | 6.31% | 7.57% |
| 25 | FT RANDALL WAGNER | 6.34% | 9.28% |
| 26 | HIGHMARK RAPID CITY | 6.60% | 7.25% |
| 27 | COTEAU VALLEY SISSETON | 6.60% | 13.25% |
| 28 | MINUTEMAN RAPID CITY | 6.80% | 7.98% |
| 29 | SIOUX VALLEY COOP Watertown | 6.96% | 8.45% |
| 30 | DAKOTA RAIL LINE HURON | 7.06% | 7.86% |
| 31 | AVANTI WATERTOWN | 7.25% | 8.00% |
| 32 | LAKOTA Kyle | 8.82% | 10.70% |
| 33 | SISSETON-WAHPETON Agency Village | 11.95% | 13.58% |
33 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NORSTAR Britton | 4.50% | 4.50% |
| 2 | DAKOTA PLAINS Lemmon | 5.20% | 5.45% |
| 3 | HEALTHCARE PLUS Aberdeen | 5.24% | 5.24% |
| 4 | HURON AREA EDUCATION HURON | 5.25% | 4.99% |
| 5 | OAHE Pierre | 5.45% | 5.10% |
| 6 | LEVO Sioux Falls | 5.74% | 5.24% |
| 7 | SERVICE FIRST Sioux Falls | 5.75% | 3.74% |
| 8 | HB TELCO Huron | 5.75% | 5.75% |
| 9 | EAST RIVER Madison | 5.82% | 5.14% |
| 10 | AREA ABERDEEN | 5.85% | 5.85% |
| 11 | ASPEN Rapid City | 6.00% | 5.25% |
| 12 | DAKOTA STAR RAPID CITY | 6.05% | 5.49% |
| 13 | BLUESTONE Sioux Falls | 6.13% | 5.50% |
| 14 | CONSUMER'S Gregory | 6.25% | 4.49% |
| 15 | DAKOTALAND Huron | 6.39% | 5.63% |
| 16 | EXPLORERS YANKTON | 6.46% | 5.11% |
| 17 | NORTHERN HILLS STURGIS | 6.50% | 5.55% |
| 18 | RUSHMORE ELECTRIC Rapid City | 6.88% | 5.76% |
| 19 | VOYAGE Sioux Falls | 7.09% | 5.59% |
| 20 | SENTINEL BOX ELDER | 7.16% | 5.49% |
| 21 | HIGHMARK RAPID CITY | 7.25% | 6.60% |
| 22 | M O Huron | 7.35% | 6.04% |
| 23 | BLACK HILLS Rapid City | 7.45% | 5.99% |
| 24 | PALACE CITY Mitchell | 7.57% | 6.31% |
| 25 | DACOTAH Rapid City | 7.85% | 4.72% |
| 26 | DAKOTA RAIL LINE HURON | 7.86% | 7.06% |
| 27 | MINUTEMAN RAPID CITY | 7.98% | 6.80% |
| 28 | AVANTI WATERTOWN | 8.00% | 7.25% |
| 29 | SIOUX VALLEY COOP Watertown | 8.45% | 6.96% |
| 30 | FT RANDALL WAGNER | 9.28% | 6.34% |
| 31 | LAKOTA Kyle | 10.70% | 8.82% |
| 32 | COTEAU VALLEY SISSETON | 13.25% | 6.60% |
| 33 | SISSETON-WAHPETON Agency Village | 13.58% | 11.95% |
Most community credit unions in South Dakota accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a 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 the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.