Credit union · NCUA insured
University Federal Credit Union Auto Loan Rates
University Federal Credit Union auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How University Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Grand Forks, ND-MN, where University Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
University Federal Credit Union
5.50%APR
- Terms
- up to 60 months
Vehicles: 2019 and Newer Models
Lowest rate
Unity Bank
4.49%APR
- Terms
- up to 72 months
2nd-lowest rate
First Community Credit Union
4.74%APR
- Terms
- —
University Federal Credit Union auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where University 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.
Vehicles: 2018 and Older Models
Rates based on applicant's creditworthiness. Eligible collateral includes cars, trucks, vans, RV's, boats, campers, travel trailers, ATVs, motorcycles, snowmobiles & other secured loans. Requires full coverage insurance on collateral. $10 application fee per applicant.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.50% | Loan term up to 36 months. Rates based on applicant's creditworthiness. |
| up to 60 months | 9.00% | Loan term up to 60 months. Rates based on applicant's creditworthiness. |
| up to 84 months | 9.50% | Loan term up to 84 months. Rates based on applicant's creditworthiness. |
Sources (2)
All captured Oct 4, 2026
Vehicles: 2019 and Newer Models
Rates based on applicant's creditworthiness. Eligible collateral includes cars, trucks, vans, RV's, boats, campers, travel trailers, ATVs, motorcycles, snowmobiles & other secured loans. Requires full coverage insurance on collateral. $10 application fee per applicant.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Loan term up to 36 months. Rates based on applicant's creditworthiness. |
| up to 60 months | 5.50% | Loan term up to 60 months. Rates based on applicant's creditworthiness. |
| up to 84 months | 5.75% | Loan term up to 84 months. Rates based on applicant's creditworthiness. |
Sources (2)
All captured Oct 4, 2026
Vehicles: 2019 and Older Models
Rates based on applicant's creditworthiness. Eligible collateral includes cars, trucks, vans, RV's, boats, campers, travel trailers, ATVs, motorcycles, snowmobiles & other secured loans. Requires full coverage insurance on collateral. $10 application fee per applicant.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.50% | Loan term up to 36 months. Rates based on applicant's creditworthiness. |
| up to 60 months | 9.00% | Loan term up to 60 months. Rates based on applicant's creditworthiness. |
| up to 84 months | 9.50% | Loan term up to 84 months. Rates based on applicant's creditworthiness. |
Sources (2)
All captured Oct 15, 2026
Vehicles: 2020 and Newer Models
Rates based on applicant's creditworthiness. Eligible collateral includes cars, trucks, vans, RV's, boats, campers, travel trailers, ATVs, motorcycles, snowmobiles & other secured loans. Requires full coverage insurance on collateral. $10 application fee per applicant.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Loan term up to 36 months. Rates based on applicant's creditworthiness. |
| up to 60 months | 5.50% | Loan term up to 60 months. Rates based on applicant's creditworthiness. |
| up to 84 months | 5.75% | Loan term up to 84 months. Rates based on applicant's creditworthiness. |
Sources (2)
All captured Oct 15, 2026
Who can join University Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Faculty and staff of the University of North Dakota are eligible for membership.
- Students of the University of North Dakota are eligible for membership.
Cost to join
- Establish membership with a $25 deposit.
Membership information collected October 4, 2026.