Personal Loans · North Dakota
28 credit unions in North Dakota report personal loan rates to the NCUA. Rates range from 3.49% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
28
CUs Reporting Rates
3.49%
Lowest Rate
11.89%
State Average Rate
17
Cities Covered
28 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | DAKOTA WEST WATFORD CITY | 3.49% | 6.90% |
| 2 | MINOT AREA SCHOOLS MINOT | 8.49% | — |
| 3 | MED PARK Grand Forks | 9.00% | 8.90% |
| 4 | DAKOTA PLAINS Edgeley | 9.16% | 9.42% |
| 5 | TOWN AND COUNTRY MINOT | 9.48% | 9.15% |
| 6 | FIRST COMMUNITY Jamestown | 9.74% | 13.75% |
| 7 | WESTERN COOPERATIVE Williston | 10.16% | — |
| 8 | FARGO VA FARGO | 10.20% | 11.50% |
| 9 | NORTHERN STS PWR COMPANY EMP Grand Forks | 10.25% | — |
| 10 | NORTH STAR COMMUNITY Maddock | 10.99% | 13.00% |
| 11 | COMMUNITY NEW ROCKFORD | 11.00% | 11.00% |
| 12 | UNIVERSITY Grand Forks | 11.40% | 11.30% |
| 13 | F.F.E. FARGO | 11.75% | — |
| 14 | FARGO PUBLIC SCHOOLS Fargo | 12.00% | 15.75% |
| 15 | NORTHERN VALLEY Grand Forks | 12.00% | 8.49% |
| 16 | CAPITAL Bismarck | 12.00% | 15.49% |
| 17 | RAILWAY MANDAN | 12.25% | 9.95% |
| 18 | POSTAL FAMILY FARGO | 12.26% | 11.62% |
| 19 | ASPIRE COMMUNITY MINOT | 12.50% | 6.98% |
| 20 | HOMETOWN KULM | 13.00% | 20.74% |
| 21 | VUE COMMUNITY BISMARCK | 13.25% | 11.90% |
| 22 | RIVERFORK GRAND FORKS | 13.45% | 9.90% |
| 23 | UNITED SAVINGS FARGO | 14.65% | 14.41% |
| 24 | AREA COMMUNITY GRAND FORKS | 14.85% | — |
| 25 | LAMOURE LAMOURE | 15.00% | 13.90% |
| 26 | CCE Fargo | 15.00% | 10.80% |
| 27 | AFFINITY FIRST Minot | 17.50% | 8.90% |
| 28 | TEL-U-WATT MINOT | 18.00% | — |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.