Auto Loans · Montana
39 credit unions in Montana report car loan rates to the NCUA. Rates range from 3.00% to 8.25%.
Updated Q1 2026 · NCUA Call Report data
39
CUs Reporting Rates
3.00%
Lowest New Car Rate
5.34%
State Average Rate
27
Cities Covered
39 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WOLF POINT Wolf Point | 3.00% | 6.00% |
| 2 | BUTTE COMMUNITY Butte | 3.44% | 4.74% |
| 3 | ST. PATS EMPLOYEES Missoula | 3.74% | 4.48% |
| 4 | TRICOUNTY Harlowton | 3.90% | 7.50% |
| 5 | MONTANA Great Falls | 3.99% | 4.99% |
| 6 | RUSSELL COUNTRY Great Falls | 3.99% | 3.99% |
| 7 | 1ST LIBERTY Great Falls | 3.99% | 4.99% |
| 8 | THE FAMILY FIRST Great Falls | 4.40% | 5.36% |
| 9 | SEG LAUREL | 4.42% | 6.37% |
| 10 | NORTHWESTERN ENERGY EMPLOYEES BUTTE | 4.57% | 5.04% |
| 11 | NORTHERN MONTANA HOSPITAL Havre | 4.71% | 6.10% |
| 12 | MILE HIGH BUTTE | 4.78% | 6.17% |
| 13 | M D U EMPLOYEES Glendive | 4.84% | 6.31% |
| 14 | DEER LODGE COUNTY SCHOOL EMP Anaconda | 5.00% | 5.50% |
| 15 | DANIELS-SHERIDAN SCOBEY | 5.00% | 7.00% |
| 16 | WHITEFISH CREDIT UNION ASSOCIATION Whitefish | 5.11% | 5.72% |
| 17 | RIMROCK BILLINGS | 5.15% | 6.07% |
| 18 | MONTANA EDUCATORS' Missoula | 5.15% | 5.15% |
| 19 | GLENDIVE BN GLENDIVE | 5.19% | 6.24% |
| 20 | INTREPID Helena | 5.47% | 6.69% |
| 21 | RAVALLI COUNTY Hamilton | 5.54% | 9.56% |
| 22 | FERGUS Lewistown | 5.60% | 5.85% |
| 23 | BITTERROOT COMMUNITY DARBY | 5.61% | 8.57% |
| 24 | COMMUNITY 1ST Miles City | 5.63% | 6.28% |
| 25 | RICHLAND Sidney | 5.91% | 6.69% |
| 26 | ALTANA Billings | 5.99% | 6.99% |
| 27 | MOUNTAIN WEST Butte | 6.00% | 7.00% |
| 28 | VOCAL HELENA | 6.05% | 7.97% |
| 29 | BADLANDS Glendive | 6.05% | 8.49% |
| 30 | GRASSLANDS CIRCLE | 6.09% | 6.96% |
| 31 | SOUTHWEST MONTANA COMMUNITY Anaconda | 6.13% | 7.93% |
| 32 | PARK SIDE FINANCIAL Whitefish | 6.24% | 6.24% |
| 33 | ROCKY MOUNTAIN Helena | 6.24% | 6.99% |
| 34 | BILLINGS Billings | 6.24% | 6.24% |
| 35 | SKY Livingston | 6.25% | 8.82% |
| 36 | CLEARWATER Missoula | 6.34% | 7.10% |
| 37 | LINCOLN COUNTY Libby | 6.50% | 7.50% |
| 38 | VALLEY FINANCIAL Billings | 7.74% | 7.74% |
| 39 | FORT PECK COMMUNITY Fort Peck | 8.25% | 9.25% |
40 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RUSSELL COUNTRY Great Falls | 3.99% | 3.99% |
| 2 | ST. PATS EMPLOYEES Missoula | 4.48% | 3.74% |
| 3 | BUTTE COMMUNITY Butte | 4.74% | 3.44% |
| 4 | MONTANA Great Falls | 4.99% | 3.99% |
| 5 | 1ST LIBERTY Great Falls | 4.99% | 3.99% |
| 6 | NORTHWESTERN ENERGY EMPLOYEES BUTTE | 5.04% | 4.57% |
| 7 | MONTANA EDUCATORS' Missoula | 5.15% | 5.15% |
| 8 | FROID FROID | 5.25% | — |
| 9 | THE FAMILY FIRST Great Falls | 5.36% | 4.40% |
| 10 | DEER LODGE COUNTY SCHOOL EMP Anaconda | 5.50% | 5.00% |
| 11 | WHITEFISH CREDIT UNION ASSOCIATION Whitefish | 5.72% | 5.11% |
| 12 | FERGUS Lewistown | 5.85% | 5.60% |
| 13 | WOLF POINT Wolf Point | 6.00% | 3.00% |
| 14 | RIMROCK BILLINGS | 6.07% | 5.15% |
| 15 | NORTHERN MONTANA HOSPITAL Havre | 6.10% | 4.71% |
| 16 | MILE HIGH BUTTE | 6.17% | 4.78% |
| 17 | GLENDIVE BN GLENDIVE | 6.24% | 5.19% |
| 18 | PARK SIDE FINANCIAL Whitefish | 6.24% | 6.24% |
| 19 | BILLINGS Billings | 6.24% | 6.24% |
| 20 | COMMUNITY 1ST Miles City | 6.28% | 5.63% |
| 21 | M D U EMPLOYEES Glendive | 6.31% | 4.84% |
| 22 | SEG LAUREL | 6.37% | 4.42% |
| 23 | INTREPID Helena | 6.69% | 5.47% |
| 24 | RICHLAND Sidney | 6.69% | 5.91% |
| 25 | GRASSLANDS CIRCLE | 6.96% | 6.09% |
| 26 | ALTANA Billings | 6.99% | 5.99% |
| 27 | ROCKY MOUNTAIN Helena | 6.99% | 6.24% |
| 28 | DANIELS-SHERIDAN SCOBEY | 7.00% | 5.00% |
| 29 | MOUNTAIN WEST Butte | 7.00% | 6.00% |
| 30 | CLEARWATER Missoula | 7.10% | 6.34% |
| 31 | TRICOUNTY Harlowton | 7.50% | 3.90% |
| 32 | LINCOLN COUNTY Libby | 7.50% | 6.50% |
| 33 | VALLEY FINANCIAL Billings | 7.74% | 7.74% |
| 34 | SOUTHWEST MONTANA COMMUNITY Anaconda | 7.93% | 6.13% |
| 35 | VOCAL HELENA | 7.97% | 6.05% |
| 36 | BADLANDS Glendive | 8.49% | 6.05% |
| 37 | BITTERROOT COMMUNITY DARBY | 8.57% | 5.61% |
| 38 | SKY Livingston | 8.82% | 6.25% |
| 39 | FORT PECK COMMUNITY Fort Peck | 9.25% | 8.25% |
| 40 | RAVALLI COUNTY Hamilton | 9.56% | 5.54% |
Most community credit unions in Montana accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a 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 the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.