Rates

Hit the road on your own terms. Already eyeing a beauty on four (or two) wheels? Prone to spontaneous fits of joyriding? Camping in style a priority? Your first step is here.

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Current Auto Loan Interest Rates

Your auto loan interest rate doesn’t have to break your budget at Sioux Falls Federal Credit Union. Here’s what you can expect currently:

Autos - Model Years 2013 and Newer

Credit Tier 1 2 3 4 5
Up to 36 Months 3.25% 3.75% 6.25% 10.25% 12.25%
37 to 60 Months 3.99% 4.49% 6.99% 10.99% 12.99%
61 to 72 Months 4.49% 4.99% 7.49% 11.49% 13.49%
73 to 84 Months
(2017 and newer only)
4.99% 5.49% 7.99% 11.99% 13.99%

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Autos - Model Years 2012 and Older

Credit Tier 1 2 3 4 5
Up to 24 Months 5.25% 5.75% 8.25% 12.25% 14.25%
25 to 36 Months 5.75% 6.25% 8.75% 12.75% 14.75%
37 to 48 Months 6.25% 6.75% 9.25% 13.25% 15.25%
49 to 60 Months 6.75% 7.25% 9.75% 13.75% 15.75%

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Driving Sense Auto Loans*** - 2015 and Newer

Credit Tier 1 2 3 4 5
Up to 60 Months 4.99% 5.49% 7.99% n/a n/a
61-72 Months 5.49% 5.99% 8.49% n/a n/a

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Recreation Vehicles 2013 and Newer

Credit Tier 1 2 3 4 5
Up to 36 Months 3.49% 3.99% 6.49% 10.49% 12.49%
37 to 60 Months 3.99% 4.49% 6.99% 10.99% 12.99%
61 to 72 Months 4.49% 4.99% 7.49% 11.49% 13.49%
73 to 84 Months 4.99% 5.49% 7.99% 11.99% 13.99%

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Recreation Vehicles 2012 and Older

Credit Tier 1 2 3 4 5
Up to 24 Months 5.49% 5.99% 8.49% 12.49% 14.49%
25 to 36 Months 5.99% 6.49% 8.99% 12.99% 14.99%
37 to 48 Months 6.49% 6.99% 9.49% 13.49% 15.49%
49 to 60 Months 6.99% 7.49% 9.99% 13.99% 15.99%

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Recreation Vehicles - Variable

Credit Tier 1 2 3 4 5
Up to 180 Months 7.00% 7.50% 8.50% 12.00% 14.00%

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Your loan interest APR** will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 730+, 2= 690-729, 3= 640-689, 4= 610-639, 5= 609 or lower. The specific rate will be set at the time of loan application review.  Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.  

* Auto & Recreational Rates are effective as of February 1, 2019.

**APR - Annual Percentage Rate

***Vehicles with a MSRP greater than $75,000 may have a higher rate.