Auto Loans · Watertown, South Dakota
2 credit unions in Watertown report car loan rates to the NCUA. Rates range from 6.96% to 7.25%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
6.96%
Lowest New Car Rate
7.11%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SIOUX VALLEY COOP ★ 5.0 · 3 reviews | 6.96% | 8.45% |
| 2 | AVANTI ★ 3.8 · 29 reviews | 7.25% | 8.00% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | AVANTI ★ 3.8 · 29 reviews | 8.00% | 7.25% |
| 2 | SIOUX VALLEY COOP ★ 5.0 · 3 reviews | 8.45% | 6.96% |
A pre-approval from a Watertown 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 Watertown in the same window and take the best offer.
See member reviews, branch locations, and full rate details.