Get the best rates for auto financing in the Rapid City area.
Our quick, local processing makes Aspen FCU the first stop for vehicle purchases.
Benefits You’ll Love
- Get a potentially lower rate when refinancing.
- Get pre-approved for your next new or used vehicle.
- Take advantage of flexible terms of up to 84 months.
- Get additional coverage with a vehicle protection plan.
- Competitive, fixed and variable rates on new or used vehicles
- Includes rates as low as 5.80% APR*
- Up to 135% financing for qualified members
- Terms of up to 84 months for qualified members
- Pre-approval available for extra bargaining power at the dealership
- Refinance your current vehicle to potentially lower your rate
- Find peace-of-mind after your purchase with a wide range of protection plans:
- Guaranteed Auto Protection (GAP)
- Warranty
- Credit Life and Disability coverage
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
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*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Aspen Federal Credit Union offers a tiered-pricing program. This allows as many members as possible to obtain financing. Your individual rate will be determined by the type and/or age of collateral offered, length of the loan, and your credit history. We welcome your application!
Loan Payment Example: At 2.45% annual percentage rate (APR) for a 60-month term with 0% down, monthly payments are calculated at $17.73 per $1,000.00 borrowed.
*Not all borrowers will qualify for lowest APR or 0% down. To find out if you qualify, call Aspen FCU at 605-342-7776
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Kasasa Cash*
| Balance | Dividend Rate | APY |
|---|---|---|
| 0 - $10,000 | 3.92% | 4.00% |
| $10,000+ | 0.25% | 4.00% to 0.59% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Earning the full rewards is so easy, you're probably already doing it! Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 12 debit card purchases, each greater than $4.99
- At least one direct deposit or ACH credit transaction
- Be enrolled in and agree to receive E-Statements
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM withdrawal fee refunds the very next month.
Kasasa Saver*
| Balance | Dividend Rate | APY |
|---|---|---|
| 0 - $15,000 | 1.00% | 1.00% |
| $15,000+ | 0.25% | 1.00% to 0.35% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for Kasasa Cash or Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases, each greater than $4.99
- At least one direct deposit or ACH credit transaction
- Be enrolled in and agree to receive E-Statements
It's no problem if you miss a qualification cycle. Both accounts are still free. And you can get back to earning rewards the very next month you qualify.
Loan Rates
We know every other website rate sheet has 35+ different rates, terms, minimums, maximums, year, make, model...you get the idea. Let’s make this easier and cut to the chase! Give us a call: (605) 342-7776 and speak with a Loan Officer today for your specific rate quote.
Here are a few common rates we currently offer:
- Auto/Recreational 5.80% APR*
- Home Equity Line of Credit 7.50% APR*
- Credit Cards 7.0% APR*
Advertised rates and terms are subject to change at any time without notice.
Aspen FCU offers a tiered-pricing program. This allows as many members as possible to obtain financing. Your individual rate will be determined by the type and/or age of collateral offered, length of the loan, and your credit history. We welcome your application!
Loan Payment Example: At 5.55% annual percentage rate (APR) for a 60-month term with 0% down, monthly payments are calculated at $19.18 per $1,000.00 borrowed.
*Not all borrowers will qualify for lowest APR or 0% down. To find out if you qualify, call Aspen FCU at 605-342-7776
*Home Equity Lines of Credit rates are variable and subject to change on a quarterly basis. Maximum APR not to exceed 18%
Share Certificates
| Term | Dividend Rate | APY |
|---|---|---|
| 6 Months | 0.55% | 0.55% |
| 12 Months | 1.49% | 1.50% |
| 18 Months | 1.59% | 1.60% |
| 24 Months | 1.73% | 1.75% |
| 36 Months | 1.98% | 2.00% |
| 48 Months | 2.23% | 2.25% |
30 Month CD Special 3.45% Dividend Rate 3.50% APY
14 Month CD Special 3.94% Dividend Rate 4.00% APY*
8 Month CD Special 4.43% Dividend Rate 4.50% APY*
Some Restrictions Apply call 605-342-7776 for more details.
Penalty for early withdrawal.
