Auto Loans · Billings, Montana
4 credit unions in Billings report car loan rates to the NCUA. Rates range from 5.15% to 7.74%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
5.15%
Lowest New Car Rate
6.28%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | RIMROCK ★ 3.6 · 20 reviews | 5.15% | 6.07% |
| 2 | ALTANA ★ 3.9 · 114 reviews | 5.99% | 6.99% |
| 3 | BILLINGS ★ 4.7 · 281 reviews | 6.24% | 6.24% |
| 4 | VALLEY FINANCIAL ★ 4.5 · 167 reviews | 7.74% | 7.74% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RIMROCK ★ 3.6 · 20 reviews | 6.07% | 5.15% |
| 2 | BILLINGS ★ 4.7 · 281 reviews | 6.24% | 6.24% |
| 3 | ALTANA ★ 3.9 · 114 reviews | 6.99% | 5.99% |
| 4 | VALLEY FINANCIAL ★ 4.5 · 167 reviews | 7.74% | 7.74% |
A pre-approval from a Billings 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 Billings in the same window and take the best offer.
See member reviews, branch locations, and full rate details.