---
title: "Billings Credit Union Rates (Nov 2026): Vehicle 6.24%"
description: "Billings Credit Union rates today: vehicle loans from 6.24% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Billings Credit Union — verified membership eligibility with the requirements and cost to join."
canonical: "https://rateapi.dev/credit-unions/montana/billings"
last-updated: "2026-11-13"
source: "https://rateapi.dev/llms.txt"
---

# Billings Credit Union Rates (Nov 2026): Vehicle 6.24%

### Auto & vehicle rates

4 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **Autos & Motorcycles - New or Used** motorcycle_any |  — APR |  5.240% |  any |  Standard |
| **Motor Homes, Travel Trailers and 5th Wheels - New or Used** rv_any |  6.240% APR |  6.240% |  any |  Standard |
| **Boats & Pickup Campers - New or Used** boat_any |  6.240% APR |  6.240% |  any |  Standard |
| **Snowmobiles & ATVs - New or Used** powersports_any |  — APR |  6.240% |  any |  Standard |
Billings Credit Union auto & vehicle rates as of November 12, 2026

### HELOC rates

1 offer

| Product |  Published |  Rate |  Term / condition |  Status |
| **HELOC (Variable)** heloc_variable |  — APR |  5.750% |  — |  Standard |
Billings Credit Union heloc rates as of November 12, 2026

### Personal loan rates

3 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **Share-Secured Loan** personal_secured |  — APR |  4.000% |  — |  Standard |
| **Personal Loan** personal |  — APR |  8.240% |  — |  Standard |
| **Overdraft Line of Credit** personal |  — APR |  12.750% |  — |  Standard |
Billings Credit Union personal loan rates as of November 12, 2026

### Credit card rates

1 offer

| Product |  Published |  Rate |  Term / condition |  Status |
| **Credit Card** credit_card |  — APR |  13.000% |  — |  Standard |
Billings Credit Union credit card rates as of November 12, 2026

### Savings & CD rates

8 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **6-Month Certificate** cd_6mo |  — APY |  2.50% |  6 mo |  Standard |
| **12-Month Certificate** cd_12mo |  — APY |  2.75% |  12 mo |  Standard |
| **60-Month Certificate** cd_60mo |  — APY |  3.25% |  60 mo |  Standard |
| **30-Month Certificate** cd_30mo |  — APY |  3.30% |  30 mo |  Standard |
| **24-Month Certificate** cd_24mo |  — APY |  3.30% |  24 mo |  Standard |
| **6-Month Certificate** cd_6mo |  — APY |  3.45% |  6 mo |  Standard |
| **18-Month Certificate** cd_18mo |  — APY |  3.60% |  18 mo |  Standard |
| **12-Month Certificate** cd_12mo |  — APY |  3.75% |  12 mo |  Standard |
Billings Credit Union savings & cd rates as of November 12, 2026

### Other rates

4 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **FI NAME - PROD, TERM** other |  — % |  1.000% |  — |  Standard |
| **My Rate MARKET NAME Average - PROD, TERM** other |  — % |  2.000% |  — |  Standard |
| **Consumer Loan** other |  — % |  18.000% |  — |  Standard |
| **QCash** other |  — % |  28.000% |  — |  Standard |
Billings Credit Union other rates as of November 12, 2026

Vehicle loans available from 6.24% APR.

> Source: [RateAPI.dev](https://rateapi.dev/credit-unions/montana/billings) , verified from [Billings Credit Union's official website](https://www.billingsfcu.org/)

Loading branch locator…

## About Billings Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members

13K

Assets

$218M

Founded

1935

Locations reported

6

NCUA charter

887

Charter type

Federal credit union

### Services and member support

- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Bilingual services
- Student scholarships
- Credit-builder products
- Payday Alternative Loans I
- Payday Alternative Loans II

Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union.

### Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

[**Valley Financial** Second Avenue Branch · Billings · MT · 59101-2001 About 14.5 miles away](https://rateapi.dev/credit-unions/montana/valley-financial) [**Altana** Altana FCU Downtown · Billings · MT · 59101-2243 About 14.6 miles away](https://rateapi.dev/credit-unions/montana/altana) [**Rimrock** Rimrock Credit Union · Billings · MT · 59102-5845 About 14.8 miles away](https://rateapi.dev/credit-unions/montana/rimrock) [**Intrepid** Billings - 27th Street · Billings · MT · 59101-0121 About 15.3 miles away](https://rateapi.dev/credit-unions/montana/intrepid) [**Mountain America** 0168 Billings Main St · Billings · MT · 59105 About 15.6 miles away](https://rateapi.dev/credit-unions/utah/mountain-america) [**Seg** SEG Federal Credit Union · Laurel · MT · 59044-3307 About 21.1 miles away](https://rateapi.dev/credit-unions/montana/seg)

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

## Who Can Join Billings Credit Union

Membership eligibility from Billings Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) .

Membership criteria are published on Billings Credit Union's website. Check the membership page below to confirm whether you qualify.

- Location yellowstone, cascade, beaverhead, big horn, blaine, broadwater, carbon, carter, chouteau, custer, daniels, dawson, deer lodge, fallon, fergus, gallatin, garfield, golden valley, hill, jefferson, judith basin, lewis and clark, madison, mccone, meagher, musselshell, park, petroleum, phillips, powder river, powell, prairie, richland, roosevelt, rosebud, sheridan, silver bow, stillwater, sweet grass, treasure, valley, wheatland, wibaux — MT, WY

Verified from [Billings Credit Union's membership page](https://www.billingsfcu.org/membership/) . Final membership determination is always made by the credit union.

## Membership rules for Billings Credit Union

Geography 46 counties · Family 2

186 published paths to membership, last verified August 27, 2026, quoted from Billings Credit Union’s own published criteria.

### Geography 46

Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026

- Beaverhead County, MT
- Big Horn County, MT
- Big Horn County, WY
- Blaine County, MT
- Broadwater County, MT
- Carbon County, MT
- Carter County, MT
- Cascade County, MT
- Chouteau County, MT
- Custer County, MT
- Daniels County, MT
- Dawson County, MT
- Deer Lodge County, MT
- Fallon County, MT
- Fergus County, MT
- Gallatin County, MT
- Garfield County, MT
- Golden Valley County, MT
- Hill County, MT
- Jefferson County, MT
- Judith Basin County, MT
- Lewis And Clark County, MT
- Madison County, MT
- Mccone County, MT

- Meagher County, MT
- Musselshell County, MT
- Park County, MT
- Park County, WY
- Petroleum County, MT
- Phillips County, MT
- Powder River County, MT
- Powell County, MT
- Prairie County, MT
- Richland County, MT
- Roosevelt County, MT
- Rosebud County, MT
- Sheridan County, MT
- Sheridan County, WY
- Silver Bow County, MT
- Stillwater County, MT
- Sweet Grass County, MT
- Treasure County, MT
- Valley County, MT
- Wheatland County, MT
- Wibaux County, MT
- Yellowstone County, MT

“NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Cascade County, MT; Yellowstone County, MT”

> [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data)

Show all 46 places

### Family 2

Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026

  - Family of a member

“Membership is also open to your family members.”

> [source ↗](https://www.billingsfcu.org/membership/)

- Family member of a member
  - Family of a member family

“Membership is also open to your family members.”

> [source ↗](https://www.billingsfcu.org/membership/)

- Family member (family) of a member

Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union.

Is this right for Billings Credit Union? Yes No

## Work at Billings Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Billings Credit Union ranks against Montana peers.

- See which AI assistants fetched Billings Credit Union’s rates, and how often
- See which of your products the RateAPI API returned, and where you rank in Montana
- Correct anything we publish about you that is wrong

[Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=billings&state=montana&code=MT&name=Billings%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions)

## Frequently Asked Questions

### What rates does Billings Credit Union offer?

Billings Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website.

### How often are Billings Credit Union rates updated?

RateAPI verifies Billings Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026.

### Where does RateAPI get Billings Credit Union's rate data?

Rate data is collected directly from Billings Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

### What are Billings Credit Union's rv, boat, motorcycle & powersports loan rates?

As of November 12, 2026, Billings Credit Union offers vehicle loans from 6.24% APR.

### Who can join Billings Credit Union?

Billings Credit Union publishes its membership criteria on its own website. RateAPI tracks 186 published membership paths covering 46 counties for Billings Credit Union, each quoted from Billings Credit Union's own published membership criteria. Immediate family of an existing member also qualify.

## Related Rate Data

Compare Billings Credit Union's rates against national credit-union benchmarks.

[More Montana credit unions](https://rateapi.dev/credit-unions/montana) [Montana auto loan rate leaders](https://rateapi.dev/auto-loan-rates/montana) [Montana HELOC rate leaders](https://rateapi.dev/heloc-rates/montana) [Montana personal loan leaders](https://rateapi.dev/personal-loan-rates/montana) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology)

### Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

[View Original Source](https://www.billingsfcu.org/)

### Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

[View Methodology](https://rateapi.dev/methodology)

## Track Billings Credit Union rates

Get a free API key to query these rates programmatically, or get the daily email when Montana credit union rates move.

Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails)

## Use it via API

Access this data programmatically with our REST API

terminal

```
# Get rates for Billings Credit Union
curl "https://api.rateapi.dev/credit-unions/montana /billings " \
  -H "Authorization : Bearer YOUR_API_KEY"
```

[Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp)

Branch locator

## Billings Credit Union locations

Search, filter, and browse all 6 NCUA-reported locations.

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---

Source: https://rateapi.dev/credit-unions/montana/billings
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp