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Top credit unions in North Dakota ranked by best APR.

Sort the best APR by loan type, and see how these rates affect car payments in our ND car payment calculator.

Car rates are for 72 months. The rates listed are the best offered by the top credit unions in North Dakota for A-tier credit scores.
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​The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.
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Sort rates by clicking the top of the list.

Best Credit Unions in North Dakota

Rank	Credit Union	Car APR	Home APR	CC APR	Locations
1	FCCU				26
2	Railway CU				3
3	Aspire				1
4	United Savings				4
5	Capital CU				12

First Community Credit Union
FCCU was established in 1939 and has 50,000 members at 26 credit unions in North Dakota.

The ways to join include residents in the cities of Bisbee, Bismarck, Devils Lake, Jamestown, Kindred, Larimore, Napoleon, Oakes, Page, Portland, Steele, Valley City, Wahpeton, and Wishek.

First Community CU ranks #1 on our 2025 credit union list for competitive rates on all loan types with top customer service.

Financing offers include homes, trucks, watercraft, snowmobiles, agriculture, livestock, farm equipment, and more.

Headquarters: 310 10th St, Jamestown, ND 58401

Railway Credit Union
RCU was established in 1954 for railroad builders and serves over 9,000 customers at 3 locations in ND.

The field of membership includes employees and members of select groups including BNSF Railway, CP Rail, Bobcat, AT&T, North Dakota Railroad Museum, USPS, UPS, US Military, and Montana-Dakota Utilities.

Headquarters: 1006 East Main St, Mandan, ND 58554

Aspire Credit Union
Aspire CU was founded in 1937 for railroad engineers. It serves 7,500 clients from 1 branch in North Dakota.

The ways to join include residents in the counties of Bottineau, McHenry, McLean, Mountrail, Renville, and Ward.

Headquarters: 1430 South Broadway, Minot, ND 58701

United Savings Credit Union
USCU was founded in 1935. It has 6,500 members at 4 branches in North Dakota.

Membership eligibility includes ND residents living within 75 miles of the main office in Fargo.

Headquarters: 1430 South Broadway, Minot, ND 58701

Capital Credit Union
CCU was established in 1936 and has over 33,000 members at 12 branches in North Dakota. The original members were government employees who created the first branch in the State Treasurer's Office.

The ways to join include residents in the cities of Beulah, Bismarck, Fargo, Hazen, and New Salem.

Headquarters: 204 W Thayer Ave, Bismarck, ND 58501