Shift Into Summer Savings With BHFCU
This summer, your next vehicle could come with even more savings. For a limited time, enjoy 90 days with no payments2 plus a 0.50%1 rate discount on qualifying auto and recreational vehicle purchases. From daily commutes to weekend getaways, now is the perfect time to buy.
Built Around Your Budget
- Including the rate discount, Auto Loan Rates as low as 4.24%3
- Including the rate discount, Recreational Vehicle Loan Rates as low as 6.00%3
- The 0.50% rate discount1 is valid on new purchases only
- Internal and external refinances are excluded from the rate discount offer
- Take 90-Days2 to make your first payment, through September 30
How It Works
Getting started is simple:- Apply online, in-branch, or over the phone
- Get approved quickly
- We'll reduce the rate you qualify for by .50%
- Drive away in your new car, truck, boat, motorhome, ATV and more
- Start payments after 90 days
Who It’s Perfect For
This offer is built for real-life situations:- Starting a new job or managing a transition
- Covering seasonal expenses
- Anyone who wants breathing room before their first payment
Vehicle Loan Rates
Vehicle Payment Calculator
Auto Loan Rates
| Term | Rates (APR) as low as* |
|---|---|
| 24 Months | 4.74% |
| 36 Months | 5.10% |
| 48 Months | 5.24% |
| 60 Months | 5.24% |
| 72 Months | 5.49% |
| 84 Months** | 5.74% |
APPLY NOW NEW MEMBERS
Rates effective as of January 1, 2026 and subject to change without notice. (APR = Annual Percentage Rate)
Black Hills Federal Credit Union offers a tiered-pricing program. This allows as many members as possible to obtain financing. Your individual rate will be determined by the type and/or age of collateral offered, length of the loan, and your credit history. We welcome your application!
Loan Payment Example: At 5.33% annual percentage rate (APR) for a 60-month term with 0% down, monthly payments are calculated at $19.03 per $1,000.00 borrowed.
*Not all borrowers will qualify for lowest APR or 0% down. To find out if you qualify, call BHFCU at 605-718-1818 or 1-800-482-2428 or ask your South Dakota, Wyoming or Montana auto dealer.
**Minimum amount financed $25,000
Note: Vehicles with over 150,000 miles have a maximum term of 36 months. Vehicles with over 200,000 miles have a maximum term of 24 months. Some terms subject to minimum amount financed.
1 0.50% Rate Discount applies to Auto and Recreational Vehicle purchase loans. The discount does not apply to refinance loans. Subject to credit approval. Additional restrictions apply. Terms and conditions subject to change without notice. Offer valid through September 30, 2026. BHFCU employees are not eligible for the rate discount. Please contact us at 605.718.1818 for more details.
2 90 Days to First Payment Special applies to Auto Loans and Recreational Vehicle Loans, with terms up to 84 months. The special does not apply to loans with balances greater than $60,000. Loan must be a purchase or refinance from another lender. Interest on 90-day no-pay loans will begin to accrue immediately upon loan disbursal and will be amortized over the monthly loan payments. Subject to credit approval. Additional restrictions apply. Terms and conditions subject to change without notice. Offer valid through September 30, 2026. Please contact us at 605.718.1818 for more details.
3 Rate stated as Annual Percentage Rate (APR). Stated rate is our lowest rate available on new or used vehicle loans, including Rate Discount. Rate may vary depending on credit history and collateral. Other rates and terms available. Terms and conditions subject to change without notice