What is the typical credit union auto loan rate in Montana?

The median new auto loan rate Montana credit unions reported on their Q2 2026 call reports was 5.15%, and the median used auto rate was 6.35%. Nationally the medians were 5.46% and 6.32%.

Are these the rates I will get?

No. Each is the rate a credit union entered for that loan type on its call report to NCUA. Your rate depends on your credit, the term, the collateral and the date, and you have to be eligible to join. Use these to see who prices low, then check the credit union's own rate sheet.

Q2 2026 call reports

Credit union loan rates in Montana

Montana credit unions reported a median new auto loan rate of 5.15% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Butte Community Federal Credit Union reported the lowest, 3.11%.

These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.

Loan	Montana median	US median
New auto	5.15%	5.46%
Used auto	6.35%	6.32%
Credit card	11.71%	11.50%
Personal	11.00%	11.75%
Mortgage	6.00%	5.75%
Home equity	7.00%	6.75%

Lowest credit card rate reported in Montana: Altana Federal Credit Union, 8.45%. Lowest first mortgage rate: Rimrock Credit Union, 3.00%. (Same size rules as the national rankings.)

Every Montana credit union's reported rates

All 41 Montana credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.

Credit union	New auto	Used auto	Credit card	Personal	Mortgage	Home equity
Whitefish Credit Union Association	4.98%	5.86%	10.95%	11.09%	5.96%	6.66%
Clearwater Federal Credit Union	6.60%	7.13%	11.76%	10.68%	6.18%	6.90%
Altana Federal Credit Union	4.99%	6.49%	8.45%	9.49%	4.50%	6.25%
Valley Financial Credit Union	7.49%	7.49%	13.49%	12.49%	5.49%	7.49%
Rocky Mountain Credit Union	6.24%	6.99%	16.99%	11.99%	6.50%	7.75%
Park Side Financial Credit Union	6.49%	6.49%	13.75%	12.59%	7.00%	7.25%
Montana Federal Credit Union	3.99%	4.99%	11.90%	13.18%	4.99%	6.99%
Intrepid Credit Union	5.50%	6.62%	12.93%	7.09%	5.81%	6.25%
Billings Federal Credit Union	6.24%	6.24%	13.00%	9.24%	6.25%	7.25%
1st Liberty Federal Credit Union	3.99%	4.99%	13.00%	13.00%	4.74%	5.74%
Southwest Montana Community Federal Credit Union	5.99%	7.20%	11.75%	8.12%	6.55%	5.82%
Sky Federal Credit Union	5.70%	8.60%	11.66%	12.86%	5.61%	7.17%
Lincoln County Credit Union	6.50%	7.50%	10.90%	10.25%	7.00%	8.00%
Grasslands Federal Credit Union	5.98%	6.77%	13.90%	13.01%	6.85%	10.75%
Russell Country Federal Credit Union	3.99%	3.99%	–	8.50%	4.45%	5.79%
Richland Federal Credit Union	5.80%	6.72%	–	10.74%	6.43%	7.37%
Fergus Federal Credit Union	5.60%	5.85%	8.80%	12.60%	5.25%	7.75%
Daniels-Sheridan Federal Credit Union	5.00%	7.00%	9.99%	11.00%	6.00%	–
Ravalli County Federal Credit Union	5.57%	9.54%	9.90%	10.76%	6.45%	7.19%
Rimrock Credit Union	5.15%	6.12%	8.99%	13.00%	3.00%	7.00%
Vocal Credit Union	5.87%	8.01%	10.90%	13.11%	6.04%	8.42%
Community 1st Federal Credit Union	5.52%	6.07%	13.92%	8.91%	6.38%	7.10%
Butte Community Federal Credit Union	3.11%	4.45%	8.90%	9.24%	4.89%	4.89%
Badlands Federal Credit Union	6.06%	8.39%	–	11.36%	5.69%	5.69%
Montana Educators' Credit Union	4.95%	4.95%	9.90%	10.00%	6.50%	7.50%
Northwestern Energy Employees Federal Credit Union	4.59%	5.05%	9.90%	11.17%	–	5.21%
Mile High Federal Credit Union	4.84%	6.17%	9.90%	10.65%	–	5.63%
Glendive BN Federal Credit Union	5.16%	6.28%	–	11.75%	5.86%	6.34%
Seg Federal Credit Union	4.44%	6.41%	–	11.17%	7.00%	7.00%
Mountain West Federal Credit Union	6.00%	7.00%	14.00%	12.00%	6.00%	6.00%
Wolf Point Federal Credit Union	3.00%	6.00%	–	11.00%	–	–
Bitterroot Community Federal Credit Union	5.12%	8.65%	–	10.87%	–	–
The Family First Federal Credit Union	4.39%	5.36%	12.90%	11.78%	4.66%	6.77%
Fort Peck Community Federal Credit Union	5.25%	6.75%	–	8.25%	13.25%	–
Deer Lodge County School Emp Federal Credit Union	5.00%	5.50%	–	9.10%	–	–
St. Pats Employees Federal Credit Union	3.74%	4.48%	–	10.74%	–	–
M D U Employees Federal Credit Union	5.00%	6.00%	–	11.00%	–	–
The Morning Star Federal Credit Union	–	–	–	15.00%	–	–
Tricounty Federal Credit Union	3.90%	7.50%	–	16.00%	–	–
Froid Federal Credit Union	–	5.25%	–	–	–	–
Northern Montana Hospital Federal Credit Union	4.71%	6.10%	–	9.88%	–	–

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Montana credit unions · Lowest rates nationally