Auto Loans · Rapid City, South Dakota
7 credit unions in Rapid City report car loan rates to the NCUA. Rates range from 4.72% to 6.80%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
4.72%
Lowest New Car Rate
5.80%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | DACOTAH ★ 4.4 · 14 reviews | 4.72% | 7.85% |
| 2 | ASPEN ★ 4.1 · 42 reviews | 5.25% | 6.00% |
| 3 | DAKOTA STAR ★ 4.3 · 7 reviews | 5.49% | 6.05% |
| 4 | RUSHMORE ELECTRIC | 5.76% | 6.88% |
| 5 | BLACK HILLS ★ 2.5 · 64 reviews | 5.99% | 7.45% |
| 6 | HIGHMARK ★ 3.7 · 101 reviews | 6.60% | 7.25% |
| 7 | MINUTEMAN ★ 3.5 · 17 reviews | 6.80% | 7.98% |
7 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ASPEN ★ 4.1 · 42 reviews | 6.00% | 5.25% |
| 2 | DAKOTA STAR ★ 4.3 · 7 reviews | 6.05% | 5.49% |
| 3 | RUSHMORE ELECTRIC | 6.88% | 5.76% |
| 4 | HIGHMARK ★ 3.7 · 101 reviews | 7.25% | 6.60% |
| 5 | BLACK HILLS ★ 2.5 · 64 reviews | 7.45% | 5.99% |
| 6 | DACOTAH ★ 4.4 · 14 reviews | 7.85% | 4.72% |
| 7 | MINUTEMAN ★ 3.5 · 17 reviews | 7.98% | 6.80% |
A pre-approval from a Rapid City 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 Rapid City in the same window and take the best offer.
See member reviews, branch locations, and full rate details.