Credit union · NCUA insured
Town and Country Credit Union Auto Loan Rates
Top CarrotTown and Country Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Town and Country Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minot, ND, where Town and Country Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Town and Country Credit Union
4.99%APR
- Terms
- up to 72 months
- Discount
- None included
Auto Loans
Lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Aspire Credit Union
4.75%APR
- Terms
- —
- Discount
- None included
Town and Country Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Town and Country 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.
Auto Loans
Borrow up to 100% of MSRP. Flexible terms available up to 72 months. Rate and approval based on credit history and underwriting factors. Stated rates are for stated terms effective 10/1/2026, with automatic payment from a TCCU checking account. Applies to new or used auto purchases and refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | Fixed APR as low as 4.99%. Stated rates are for stated terms effective 10/1/2026, with automatic payment from a TCCU checking account. Repayment example for A+ Borrowers: 36 monthly payments of $29.86 per $1,000 borrowed. Rate and approval based on credit history and underwriting factors. Applies to new or used auto financing and refinancing. Flexible terms available up to 72 months. Borrow up to 100% MSRP. |
First Car Loan
For ages 14-23 purchasing a first car (new or used). Buyers 17 and under require a co-borrower over 18 (rate based on co-borrower credit history). Maximum loan amount $20,000. Payment automatically transfers from free TCCU Checking Account. No Loan Document Fee. 2% APR off auto loan rate (minimum rate of 2.99% APR). Rate and approval based on credit history and underwriting factors. Stated rates are for stated terms effective 10/1/2026 with automatic payment from a TCCU checking account.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.24% | 2% APR off your auto loan rate (minimum rate of 2.99% APR). Ages 14-23 (buyers 17 and under require a co-borrower over 18; rate based on co-borrower credit history). For new or used vehicles, borrow up to $20,000. Payment automatically transfers from free TCCU Checking Account. No Loan Document Fee. Fixed APR as low as 3.24% effective 10/1/2026 with automatic payment from a TCCU checking account. Rate and approval based on credit history and underwriting factors. Repayment example for A+ Borrowers: 36 monthly payments of $29.86 per $1,000 borrowed. Cannot be combined with any other offers. |
Motorcycle Loans
Stated rates are for stated terms effective 10/1/2026, with automatic payment from a TCCU checking account. Repayment examples for A+ Borrowers: 36 monthly payments of $29.86 per $1,000 borrowed. Rates and approval based on credit history and underwriting factors. Terms, conditions, and restrictions apply and are subject to change.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.74% | Fixed APR as low as 6.74%. Stated rates are for stated terms effective 10/1/2026, with automatic payment from a TCCU checking account. Repayment examples for A+ Borrowers: 36 monthly payments of $29.86 per $1,000 borrowed. Rates and approval based on credit history and underwriting factors. Terms, conditions, and restrictions apply and are subject to change. |
Sources (1)
- townandcountry.org/personal/loans/auto-loan-refinancing · captured Oct 15, 2026
Who can join Town and Country Credit Union
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