Auto Loans · Sioux Falls, South Dakota
4 credit unions in Sioux Falls report car loan rates to the NCUA. Rates range from 3.74% to 5.59%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
3.74%
Lowest New Car Rate
5.02%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SERVICE FIRST ★ 3.1 · 58 reviews | 3.74% | 5.75% |
| 2 | LEVO ★ 4.2 · 88 reviews | 5.24% | 5.74% |
| 3 | BLUESTONE ★ 4.0 · 22 reviews | 5.50% | 6.13% |
| 4 | VOYAGE ★ 4.4 · 110 reviews | 5.59% | 7.09% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | LEVO ★ 4.2 · 88 reviews | 5.74% | 5.24% |
| 2 | SERVICE FIRST ★ 3.1 · 58 reviews | 5.75% | 3.74% |
| 3 | BLUESTONE ★ 4.0 · 22 reviews | 6.13% | 5.50% |
| 4 | VOYAGE ★ 4.4 · 110 reviews | 7.09% | 5.59% |
A pre-approval from a Sioux 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 Sioux Falls in the same window and take the best offer.
See member reviews, branch locations, and full rate details.