Credit union · NCUA insured
Postal Family FCU Auto Loan Rates
Postal Family FCU auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 22, 2026.
How Postal Family FCU’s auto loan rates compare
Compared with banks and credit unions near Fargo, ND-MN, where Postal Family FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Postal Family FCU
4.75%APR
- Discount
- None included
New & Used Vehicles
Lowest rate
Magnifi Financial
3.99%APR
- Discount
- Included in the rate
2nd-lowest rate
First Community Credit Union
4.74%APR
- Discount
- None included
Postal Family FCU auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Postal Family FCU 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 & Used Vehicles
Credit worthiness applies. Automatic payments are available for all loan options.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.75% | Credit tier A+. Rate is 'as low as'; credit worthiness applies. |
| — | 5.00% | Credit tier A. Rate is 'as low as'; credit worthiness applies. |
| — | 5.75% | Credit tier B. Rate is 'as low as'; credit worthiness applies. |
| — | 13.50% | Credit tier C. Rate is 'as low as'; credit worthiness applies. |
| — | 15.50% | Credit tier D. Rate is 'as low as'; credit worthiness applies. |
| — | 17.25% | Credit tier E. Rate is 'as low as'; credit worthiness applies. |
Who can join Postal Family FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 31 specified counties in North Dakota, South Dakota, and Minnesota.
Membership information collected October 4, 2026.