Auto Loans · Minot, North Dakota
5 credit unions in Minot report car loan rates to the NCUA. Rates range from 1.95% to 5.00%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
1.95%
Lowest New Car Rate
3.47%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | AFFINITY FIRST ★ 4.2 · 40 reviews | 1.95% | 6.00% |
| 2 | ASPIRE COMMUNITY ★ 4.6 · 95 reviews | 1.95% | 6.00% |
| 3 | TOWN AND COUNTRY ★ 4.7 · 102 reviews | 3.93% | 4.23% |
| 4 | MINOT AREA SCHOOLS ★ 5.0 · 1 reviews | 4.50% | 4.50% |
| 5 | TEL-U-WATT ★ 4.7 · 102 reviews | 5.00% | 6.00% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | TOWN AND COUNTRY ★ 4.7 · 102 reviews | 4.23% | 3.93% |
| 2 | MINOT AREA SCHOOLS ★ 5.0 · 1 reviews | 4.50% | 4.50% |
| 3 | AFFINITY FIRST ★ 4.2 · 40 reviews | 6.00% | 1.95% |
| 4 | ASPIRE COMMUNITY ★ 4.6 · 95 reviews | 6.00% | 1.95% |
| 5 | TEL-U-WATT ★ 4.7 · 102 reviews | 6.00% | 5.00% |
A pre-approval from a Minot 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 Minot in the same window and take the best offer.
See member reviews, branch locations, and full rate details.