What is the typical credit union auto loan rate in South Dakota?

The median new auto loan rate South Dakota credit unions reported on their Q2 2026 call reports was 5.62%, and the median used auto rate was 6.47%. 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 South Dakota

South Dakota credit unions reported a median new auto loan rate of 5.62% 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, Service First Federal Credit Union reported the lowest, 3.94%.

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	South Dakota median	US median
New auto	5.62%	5.46%
Used auto	6.47%	6.32%
Credit card	10.69%	11.50%
Personal	12.02%	11.75%
Mortgage	6.28%	5.75%
Home equity	6.75%	6.75%

Lowest credit card rate reported in South Dakota: Levo Federal Credit Union, 5.24%. Lowest first mortgage rate: Black Hills Federal Credit Union, 2.99%. (Same size rules as the national rankings.)

Every South Dakota credit union's reported rates

All 33 South Dakota 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
Black Hills Federal Credit Union	5.99%	5.74%	8.90%	11.00%	2.99%	6.25%
Dakotaland Federal Credit Union	5.62%	6.38%	11.51%	10.81%	5.63%	7.03%
Levo Federal Credit Union	5.24%	5.74%	5.24%	11.49%	6.00%	7.75%
Voyage Federal Credit Union	4.99%	7.09%	6.88%	15.00%	3.00%	6.75%
Highmark Federal Credit Union	6.60%	7.25%	10.00%	15.00%	8.00%	8.00%
Service First Federal Credit Union	3.94%	5.86%	–	12.34%	4.73%	8.22%
Bluestone Federal Credit Union	5.45%	5.41%	10.88%	12.02%	5.38%	5.81%
Northern Hills Federal Credit Union	6.05%	7.00%	–	11.25%	7.00%	7.65%
Area Federal Credit Union	5.83%	5.83%	–	14.72%	7.03%	7.03%
Sentinel Federal Credit Union	5.47%	7.23%	12.43%	11.77%	8.00%	7.25%
Aspen Federal Credit Union	5.25%	6.00%	7.00%	10.75%	6.50%	6.50%
Explorers Federal Credit Union	5.12%	6.47%	13.71%	13.00%	6.93%	4.93%
Dakota Plains Federal Credit Union	5.70%	5.95%	12.99%	12.99%	7.47%	8.00%
Norstar Federal Credit Union	4.50%	4.50%	–	12.50%	5.25%	6.25%
Healthcare Plus Federal Credit Union	5.24%	5.24%	11.90%	12.50%	6.50%	6.25%
Oahe Federal Credit Union	4.90%	5.40%	9.90%	9.90%	6.64%	7.75%
Dakota Star Federal Credit Union	5.49%	6.05%	8.50%	9.90%	6.65%	6.25%
Ft Randall Federal Credit Union	6.21%	9.03%	–	13.00%	6.00%	6.00%
East River Federal Credit Union	5.26%	5.91%	–	13.96%	5.36%	6.75%
M O Federal Credit Union	5.95%	7.06%	12.90%	9.66%	3.74%	6.79%
Sioux Valley Coop Federal Credit Union	6.76%	8.89%	–	11.70%	7.16%	–
Avanti Federal Credit Union	7.33%	7.43%	10.69%	14.26%	5.67%	6.72%
Rushmore Electric Federal Credit Union	5.78%	6.72%	10.50%	11.76%	–	–
Consumer's Federal Credit Union	4.49%	6.25%	11.99%	14.00%	3.50%	–
Lakota Federal Credit Union	8.85%	10.60%	12.33%	11.41%	6.28%	6.00%
Coteau Valley Federal Credit Union	6.60%	13.25%	–	20.00%	9.14%	11.38%
Huron Area Education Federal Credit Union	4.99%	4.99%	–	10.00%	5.99%	5.99%
Palace City Federal Credit Union	6.31%	7.58%	–	9.50%	5.34%	6.05%
Minuteman Federal Credit Union	6.84%	8.00%	–	12.74%	7.59%	7.91%
Dacotah Federal Credit Union	4.74%	7.75%	8.90%	12.36%	8.18%	8.10%
Dakota Rail Line Federal Credit Union	6.75%	7.81%	–	11.12%	–	–
HB Telco Federal Credit Union	5.50%	5.50%	–	12.00%	–	–
Sisseton-Wahpeton Federal Credit Union	10.50%	12.00%	–	15.00%	–	–

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 South Dakota credit unions · Lowest rates nationally