--- title: "University Credit Union Rates (Nov 2026): CDs to 3.50%" description: "University Credit Union rates today: savings & CDs up to 3.50% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join University Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-dakota/university" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # University Credit Union Rates (Nov 2026): CDs to 3.50% ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Up to 36-Month Auto Loan** auto_any_36mo | — APR | 5.240% | 36 mo | Standard | | **Up to 60-Month Auto Loan** auto_any_60mo | — APR | 5.500% | 60 mo | Standard | | **Up to 84-Month Auto Loan** auto_any_84mo | — APR | 5.750% | 84 mo | Standard | University Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Signature Loan** personal_unsecured | — APR | 8.950% | — | Standard | | **Overdraft Line of Credit** personal | — APR | 12.450% | — | Standard | University Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Two Year ($1,000 minimum)** savings | 2.65% APY | 2.62% | — | Standard | | **One Year ($1,000 minimum)** savings | 3.00% APY | 2.97% | — | Standard | | **Six Month ($1,000 minimum)** savings | 3.50% APY | 3.45% | — | Standard | University Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 3.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-dakota/university) , verified from [University Credit Union's official website](https://www.universityfederalcu.org/) Loading branch locator… ## About University Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.6K Assets $45.2M Founded 1937 Locations reported 2 NCUA charter 1904 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**First Community** Branch - Grand Forks 32nd · Grand Forks · ND · 58201 About 3.4 miles away](https://rateapi.dev/credit-unions/north-dakota/first-community) [**Postal Family** BRANCH · GRAND FORKS · ND · 58208-6321 About 4.0 miles away](https://rateapi.dev/credit-unions/north-dakota/postal-family) [**Med Park** Med Park Credit Union · Grand Forks · ND · 58201 About 4.2 miles away](https://rateapi.dev/credit-unions/north-dakota/med-park) [**Riverfork** Med Park Credit Union · Grand Forks · ND · 58201 About 4.2 miles away](https://rateapi.dev/credit-unions/north-dakota/riverfork) [**Northern Valley** Northern Valley FCU · Grand Forks · ND · 58201 About 4.7 miles away](https://rateapi.dev/credit-unions/north-dakota/northern-valley) [**Service** Grand Forks AFB Branch · Grand Forks Afb · ND · 58204-1020 About 12.3 miles away](https://rateapi.dev/credit-unions/new-hampshire/service) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join University Credit Union Membership eligibility from University Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on University Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer ND School for the Blind, US government - Association Organizations of members - School UND Verified from [University Credit Union's membership page](https://www.universityfederalcu.org/) . Final membership determination is always made by the credit union. ## Membership rules for University Credit Union Employers 2 · Associations · Schools 2 · Family 6 published paths to membership, last verified August 21, 2026, quoted from University Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of ND School for the Blind “Employees of the ND School for the Blind who work in Grand Forks” > [source ↗](https://www.universityfederalcu.org/) - Employee of ND School for the Blind - Employee of U.S. Government “civilian and military employees of the US government” > [source ↗](https://www.universityfederalcu.org/) - Employee of U.S. Government ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Organizations of members “Organizations of members” > [source ↗](https://www.universityfederalcu.org/) - Member of Organizations of members ### Schools 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - School employee of UND “UND faculty, Staff, and Students” > [source ↗](https://www.universityfederalcu.org/) - Employee of UND - Student of UND “UND faculty, Staff, and Students” > [source ↗](https://www.universityfederalcu.org/) - Student at UND ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family “Immediate family of members” > [source ↗](https://www.universityfederalcu.org/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for University Credit Union? Yes No ## Work at University Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where University Credit Union ranks against North Dakota peers. - See which AI assistants fetched University Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Dakota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=university&state=north-dakota&code=ND&name=University%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does University Credit Union offer? University Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are University Credit Union rates updated? RateAPI verifies University Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get University Credit Union's rate data? Rate data is collected directly from University Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is University Credit Union's best CD rate? As of November 12, 2026, University Credit Union offers savings and certificate (CD) yields up to 3.50% APY. ### Who can join University Credit Union? University Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 2 employers, 1 association and 2 schools for University Credit Union, each quoted from University Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare University Credit Union's rates against national credit-union benchmarks. [More North Dakota credit unions](https://rateapi.dev/credit-unions/north-dakota) [North Dakota auto loan rate leaders](https://rateapi.dev/auto-loan-rates/north-dakota) [North Dakota personal loan leaders](https://rateapi.dev/personal-loan-rates/north-dakota) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.universityfederalcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track University Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Dakota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for University Credit Union curl "https://api.rateapi.dev/credit-unions/north-dakota /university " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## University Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/north-dakota/university Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp