Q2 2026 call reports
Credit union loan rates in North Dakota
North Dakota credit unions reported a median new auto loan rate of 5.10% 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, Aspire Community Federal Credit Union reported the lowest, 1.95%.
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 | North Dakota median | US median |
|---|---|---|
| New auto | 5.10% | 5.46% |
| Used auto | 6.00% | 6.32% |
| Credit card | 11.25% | 11.50% |
| Personal | 12.00% | 11.75% |
| Mortgage | 5.51% | 5.75% |
| Home equity | 6.25% | 6.75% |
Lowest credit card rate reported in North Dakota: Aspire Community Federal Credit Union, 6.92%. Lowest first mortgage rate: Aspire Community Federal Credit Union, 2.65%. (Same size rules as the national rankings.)
Every North Dakota credit union's reported rates
All 29 North 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 |
|---|---|---|---|---|---|---|
| First Community Credit Union | 5.49% | 5.74% | 13.75% | 9.74% | 5.49% | 5.49% |
| Capital Credit Union | 4.49% | 4.49% | 15.49% | 12.00% | 7.24% | 7.24% |
| Town and Country Credit Union | 4.31% | 4.75% | 9.15% | 13.33% | 5.01% | 6.05% |
| Western Cooperative Credit Union | 5.62% | 6.09% | – | 10.06% | 5.53% | 6.57% |
| North Star Community Credit Union | 4.74% | 4.74% | 13.00% | 10.74% | 5.29% | 5.29% |
| Dakota West Credit Union | 4.75% | 4.69% | 6.90% | 3.49% | 6.50% | 8.00% |
| Hometown Credit Union | 5.63% | 6.10% | 20.74% | 16.75% | 5.25% | 6.12% |
| Railway Credit Union | 5.50% | 7.75% | 9.95% | 12.50% | 6.25% | 6.85% |
| Aspire Community Federal Credit Union | 1.95% | 6.00% | 6.92% | 12.50% | 2.65% | 7.75% |
| Community Credit Union | 6.25% | 7.50% | 11.00% | 11.00% | 7.00% | 7.00% |
| United Savings Credit Union | 6.09% | 7.85% | 14.41% | 14.82% | 5.04% | 6.84% |
| Vue Community Credit Union | 6.00% | 8.00% | 11.90% | 13.25% | 7.25% | 7.25% |
| Dakota Plains Credit Union | 5.57% | 7.69% | 9.42% | 9.26% | 6.30% | 6.01% |
| Affinity First Federal Credit Union | 1.95% | 6.00% | 8.90% | 17.50% | 2.75% | 4.75% |
| Fargo Public Schools Federal Credit Union | 5.85% | 6.35% | 15.75% | 12.00% | 5.00% | 5.50% |
| University Federal Credit Union | 5.17% | 7.64% | 12.09% | 11.87% | 4.70% | 6.25% |
| Lamoure Credit Union | 6.80% | 6.75% | 13.90% | 15.00% | 5.00% | – |
| Riverfork Federal Credit Union | 4.78% | 6.37% | 9.90% | 14.02% | 5.51% | 5.65% |
| Postal Family Federal Credit Union | 3.90% | 6.92% | 11.56% | 8.33% | – | 7.50% |
| Area Community Credit Union | 6.50% | 8.25% | – | 14.35% | 9.00% | 6.00% |
| Northern Valley Federal Credit Union | 5.00% | 6.00% | 8.49% | 12.00% | – | 6.50% |
| Med Park Credit Union | 5.10% | 5.60% | 8.90% | 9.00% | – | 6.95% |
| Minot Area Schools Federal Credit Union | 4.50% | 4.50% | – | 8.49% | – | – |
| Fargo VA Federal Credit Union | 4.50% | 4.75% | 11.50% | 10.20% | 6.00% | 6.00% |
| Cce Federal Credit Union | 5.00% | 5.00% | 10.80% | 15.00% | – | 5.00% |
| Tel-U-Watt Federal Credit Union | 4.42% | 4.72% | – | 18.00% | – | – |
| Lisbon Farmers Union Credit Union | 9.00% | 9.00% | – | – | 9.00% | – |
| F.f.e. Federal Credit Union | 3.99% | 5.49% | – | 11.75% | – | – |
| Northern Sts PWR Company Emp Federal Credit Union | 5.25% | 5.75% | – | 10.25% | – | – |
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 North Dakota credit unions · Lowest rates nationally