Credit union · NCUA insured
Northern Valley Federal Credit Union Auto Loan Rates
Northern Valley Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 6.00% for a used one. Rates checked October 22, 2026.
How Northern Valley Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Grand Forks, ND-MN, where Northern Valley Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northern Valley Federal Credit Union
5.00%APR
- Terms
- —
New Auto Loans
Lowest rate
Unity Bank
4.49%APR
- Terms
- up to 72 months
2nd-lowest rate
First Community Credit Union
4.74%APR
- Terms
- —
Northern Valley Federal Credit Union auto loan score
75
Auto loan score
Higher than 39% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northern Valley Federal Credit Union ranks
By auto loan score, in each area where it has branches
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.
New Auto Loans
Auto promo rate requires active direct deposit and automatic payment. Rates based on individual creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.00% | As low as 5.00% APR. Auto & recreational promo rate requires active direct deposit and automatic payment. All loan rates are based on individual creditworthiness. |
Sources (1)
- northernvalleyfcu.com/rates · captured Oct 22, 2026
Used Auto
Auto promo rate requires active direct deposit and automatic payment. Rates based on individual creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.00% | As low as 6.00% APR. Auto & recreational promo rate requires active direct deposit and automatic payment. All loan rates are based on individual creditworthiness. |
Sources (1)
- northernvalleyfcu.com/rates · captured Oct 22, 2026
Who can join Northern Valley Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Grand Forks County and Polk County.
Cost to join
- A $5 minimum deposit into a savings account is required to join.
Membership information collected October 4, 2026.