Credit union · NCUA insured
United Savings Credit Union Auto Loan Rates
United Savings Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 22, 2026.
How United Savings Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fargo, ND-MN, where United Savings Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Savings Credit Union
4.75%APR
- Up to
- 17.25% APR
- Discount
- None included
Vehicles
Lowest rate
Magnifi Financial
3.99%APR
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
First Community Credit Union
4.74%APR
- Up to
- —
- Discount
- None included
United Savings Credit Union 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 United Savings 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.
Vehicles
Financing up to 100%. Financing is based on the MSRP, NADA or purchase price, whichever is less.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.75%–17.25% | Interest rate is based on credit score factors and the term of the loan. Financing is based on the MSRP, NADA or purchase price, whichever is less. Up to 100% financing. |
Sources (2)
All captured Oct 15, 2026
Who can join United Savings Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons living within a 75-mile radius of the credit union's home office in Fargo, North Dakota are eligible for membership.
Employers and groups
- Organizations located within a 75-mile radius of the home office in Fargo, North Dakota are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Cost to join
- Membership requires depositing $25.00 into a regular share account.
Membership information collected October 4, 2026.