Auto Loans · Grand Forks, North Dakota
6 credit unions in Grand Forks report car loan rates to the NCUA. Rates range from 4.50% to 6.50%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
4.50%
Lowest New Car Rate
5.37%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NORTHERN VALLEY ★ 4.9 · 12 reviews | 4.50% | 5.50% |
| 2 | RIVERFORK ★ 4.3 · 14 reviews | 5.00% | 5.40% |
| 3 | MED PARK ★ 5.0 · 4 reviews | 5.10% | 5.60% |
| 4 | NORTHERN STS PWR COMPANY EMP ★ 4.9 · 12 reviews | 5.25% | 5.75% |
| 5 | UNIVERSITY ★ 4.6 · 18 reviews | 5.85% | 7.47% |
| 6 | AREA COMMUNITY ★ 4.3 · 16 reviews | 6.50% | 8.25% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RIVERFORK ★ 4.3 · 14 reviews | 5.40% | 5.00% |
| 2 | NORTHERN VALLEY ★ 4.9 · 12 reviews | 5.50% | 4.50% |
| 3 | MED PARK ★ 5.0 · 4 reviews | 5.60% | 5.10% |
| 4 | NORTHERN STS PWR COMPANY EMP ★ 4.9 · 12 reviews | 5.75% | 5.25% |
| 5 | UNIVERSITY ★ 4.6 · 18 reviews | 7.47% | 5.85% |
| 6 | AREA COMMUNITY ★ 4.3 · 16 reviews | 8.25% | 6.50% |
A pre-approval from a Grand Forks credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Grand Forks in the same window and take the best offer.
See member reviews, branch locations, and full rate details.