Credit union · NCUA insured
Riverfork FCU Auto Loan Rates
Riverfork FCU auto loans start at 5.00% APR for a new vehicle and 4.80% for a used one. Rates checked October 22, 2026.
How Riverfork FCU’s auto loan rates compare
Compared with banks and credit unions near Grand Forks, ND-MN, where Riverfork FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Riverfork FCU
5.00%APR
- Terms
- up to 72 months
- Up to
- 10.00% APR
NEW AUTOS, BOATS, RVs, CAMPERS, MOTORCYCLES
Lowest rate
Unity Bank
4.49%APR
- Terms
- up to 72 months
- Up to
- —
2nd-lowest rate
First Community Credit Union
4.74%APR
- Terms
- —
- Up to
- —
Riverfork FCU auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed4.80%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Riverfork 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 AUTOS, BOATS, RVs, CAMPERS, MOTORCYCLES
Rates are based on the credit history of the applicant. Loans currently at the credit union can not be refinanced. New = never titled AND less than 5,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00%–10.00% | New = never titled AND less than 5,000 miles. Rates are based on credit history. |
| up to 72 months | 5.00%–10.00% | Financing over $25,000. New = never titled AND less than 5,000 miles. Rates are based on credit history. |
Sources (1)
- riverforkfcu.org/rates/loan-rates · captured Oct 22, 2026
USED AUTOS, BOATS, RVs, CAMPERS, MOTORCYCLES
Rates are based on the credit history of the applicant. Loans currently at the credit union cannot be refinanced.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.80%–10.80% | Model Years 2024-2026. Rates are based on credit history. |
| up to 72 months | 4.80%–10.80% | Model Years 2024-2026. Over $25,000 or more. Rates are based on credit history. |
| up to 48 months | 5.00%–11.00% | Model Years 2021-2023. Rates are based on credit history. |
| up to 60 months | 5.00%–11.00% | Model Years 2021-2023. Over $10,000 or more. Rates are based on credit history. |
| up to 36 months | 6.95%–12.95% | Model Years 2007 to 2020. Rates are based on credit history. |
| up to 48 months | 6.95%–12.95% | Model Years 2007 to 2020. Over $10,000 or more. Rates are based on credit history. |
Sources (1)
- riverforkfcu.org/rates/loan-rates · captured Oct 15, 2026
Who can join Riverfork FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Riverfork Federal Credit Union are eligible for membership.
- Employees of Northern Tier Seed Company, P.D. Sproule co., or Sproule Farms who work in Grand Forks, North Dakota are eligible for membership.
- Employees and directors of Red River Valley Community Action (formerly Quad County Community Action Agency) who work in or are supervised from Grand Forks, North Dakota are eligible for membership.
- Employees of Rhino Contracting who work in Grand Forks, North Dakota are eligible for membership.
- Employees of specified entities (Aatrix Software, Inc., Development Homes Inc., Farroh Law Office, Home of Economy, Minnkota Power Cooperative, Nodak Electric Cooperative, North Dakota Mill and Elevator, US Waste, or Young Manufacturing, Inc.) who work in or are supervised from Grand Forks, North Dakota are eligible for membership.
Military, government and schools
- Employees of the City of East Grand Forks who work in East Grand Forks, Minnesota are eligible for membership.
7 more ways to join
Military, government and schools
- Employees of the City of Grand Forks and of the Park District of Grand Forks who work in Grand Forks, North Dakota are eligible for membership.
- Employees of the County of Grand Forks who work in Grand Forks County, North Dakota are eligible for membership.
- Employees of the State of North Dakota who work in the County of Grand Forks are eligible for membership.
Family and household
- Members of the household or immediate families (including spouse, child, sibling, parent, grandparent, or grandchild, including step and adoptive relatives) of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Persons retired as pensioners or annuitants from qualifying employment are eligible for membership.
Membership information collected October 4, 2026.