Auto Loans · Aberdeen, South Dakota
2 credit unions in Aberdeen report car loan rates to the NCUA. Rates range from 5.24% to 5.85%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.24%
Lowest New Car Rate
5.55%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HEALTHCARE PLUS ★ 4.8 · 88 reviews | 5.24% | 5.24% |
| 2 | AREA ★ 4.0 · 4 reviews | 5.85% | 5.85% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | HEALTHCARE PLUS ★ 4.8 · 88 reviews | 5.24% | 5.24% |
| 2 | AREA ★ 4.0 · 4 reviews | 5.85% | 5.85% |
A pre-approval from a Aberdeen 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 Aberdeen in the same window and take the best offer.
See member reviews, branch locations, and full rate details.