Auto Loans · Fargo, North Dakota
6 credit unions in Fargo report car loan rates to the NCUA. Rates range from 3.90% to 6.15%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
3.90%
Lowest New Car Rate
4.94%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | POSTAL FAMILY ★ 4.0 · 12 reviews | 3.90% | 7.37% |
| 2 | F.F.E. | 3.99% | 5.49% |
| 3 | FARGO VA ★ 5.0 · 4 reviews | 4.75% | 5.00% |
| 4 | CCE ★ 5.0 · 2 reviews | 5.00% | 5.00% |
| 5 | FARGO PUBLIC SCHOOLS ★ 5.0 · 4 reviews | 5.85% | 6.35% |
| 6 | UNITED SAVINGS ★ 4.3 · 21 reviews | 6.15% | 7.86% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FARGO VA ★ 5.0 · 4 reviews | 5.00% | 4.75% |
| 2 | CCE ★ 5.0 · 2 reviews | 5.00% | 5.00% |
| 3 | F.F.E. | 5.49% | 3.99% |
| 4 | FARGO PUBLIC SCHOOLS ★ 5.0 · 4 reviews | 6.35% | 5.85% |
| 5 | POSTAL FAMILY ★ 4.0 · 12 reviews | 7.37% | 3.90% |
| 6 | UNITED SAVINGS ★ 4.3 · 21 reviews | 7.86% | 6.15% |
A pre-approval from a Fargo 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 Fargo in the same window and take the best offer.
See member reviews, branch locations, and full rate details.