Credit union · NCUA insured
Capital Credit Union of North Dakota Auto Loan Rates
Top CarrotCapital Credit Union of North Dakota auto loan rates start at 3.49% APR. Rates checked October 22, 2026.
How Capital Credit Union of North Dakota’s auto loan rates compare
Compared with banks and credit unions near Bismarck, ND, where Capital Credit Union of North Dakota has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Capital Credit Union of North Dakota
– –
- Terms
- —
No ongoing APR published
Lowest rate
First Community Credit Union
4.74%APR
- Terms
- —
2nd-lowest rate
Western Cooperative Credit Union
4.75%APR
- Terms
- up to 60 months
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Membership eligibility requires living within 75 miles of Bismarck, Fargo, Hazen, or Flasher; 50 miles of Beulah or New Salem; or having an immediate family member who lives within 50 miles of Bismarck. Primary member on a Share Savings account. Proof of insurance required. No penalties for paying off loan early.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Available up to 36 months at $29.74 per $1,000 borrowed per month for qualified borrowers. Rate reflects a 0.25% discount for loan being set up on autopay and a 0.25% discount for setting up an active Capital Credit Union checking account. Rates vary based on loan term and credit history / qualifications. All loans subject to credit approval. Cannot be combined with other discounts or offers. |
| up to 36 months | 5.49% | Available up to 36 months at $30.19 per $1,000 borrowed per month for qualified borrowers. Rate reflects a 0.25% discount for loan being set up on autopay and a 0.25% discount for setting up an active Capital Credit Union checking account. Rates vary based on loan term and credit history / qualifications. All loans subject to credit approval. Cannot be combined with other discounts or offers. |
Sources (1)
- capcu.org/personal/loans/auto-rv-loans · captured Oct 22, 2026
Teacher Exclusive Rate Discount Auto Loan
Proof of current employment required. Available to teachers, school staff, and college faculty for one auto or recreational vehicle loan opened at or moved to Capital Credit Union between Jan. 1, 2026, and Dec. 31, 2026. Does not apply to loans already financed with Capital Credit Union. Cannot be combined with other promotional rates or offers. All loan rates and terms subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.49% | Offers 1% off one auto loan; final rate will never be lower than 3.49% APR floor. 3.49% rate reflects a 0.25% discount for loan being set up on autopay and a 0.25% discount for having an active Capital Credit Union checking account. Rates vary based on loan term and credit history/qualifications. Promotional discount available on loans closed between Jan. 1, 2026, and Dec. 31, 2026. |
Sources (1)
- capcu.org/teacher-school-distr…-exclusive-rate-discount · captured Oct 22, 2026
Who can join Capital Credit Union of North Dakota
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.