Vehicle Loan Rates

At BHFCU, You Have Options to Fit Your Specific Needs
Apply Now Vehicle Loans

Our Current Rates Help You Save Money on the Vehicle You Need 

Whether it rolls, floats, or plows through the powder, you can get affordable financing for your next vehicle at BHFCU. As a not-for-profit credit union, we're set up to help you get the most for your money. 

Pre-approval, online applications, and Dealer Direct financing available. JDPower Auto Values.

Effective Date: October 1, 2026
Term
Rates (APR) as low as*
24 Months 5.24%
36 Months 5.60%
48 Months 5.74%
60 Months 5.74%
72 Months 5.99%
84 Months** 6.24%
  • Motorhomes
  • Campers
  • Travel Trailers
  • 5th Wheels
  • Boats

Pre-approval, online applications, and Dealer Direct financing available. JDPower Auto Values.

Effective Date: October 1, 2026
Terms
Collateral value determines maximum terms
Rates (APR) as low as*
48 Months 7.00%
60 Months 7.00%
72 Months 7.25%
84 Months 7.75%
96 Months 7.75%
120 Months 8.00%

Pre-approval, online applications, and Dealer Direct financing available. JDPower Auto Values.

Effective Date: October 1, 2026
Term
Rates (APR) as low as*
36 Months 7.00%
48 Months 7.50%
60 Months 8.00%
72 Months 8.25%

Pre-approval, online applications, and Dealer Direct financing available. JDPower Auto Values.

Effective Date: October 1, 2026
Term
Collateral value determines maximum terms
Rates (APR) as low as*
48 Months 6.95%
60 Months 6.70%
72 Months 6.95%
84 Months 7.45%

Black Hills Federal Credit Union members earn better, competitive rates on loans, checking and savings accounts. Become a member today to lock in your rate now.

Auto & Recreational Vehicle Loans
Financing That Goes the Distance

From daily drives to weekend adventures, our auto and recreational vehicle loans make it easy to get where you’re going.

Rates effective as of October 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.

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