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Best Personal Loan Rates in Minnewaukan, North Dakota (ND) - April 2026

Current personal loan options available to borrowers in Minnewaukan, North Dakota include: Tel-U-Watt Federal Credit UnionTel-U-Watt Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering 2023 & Newer Recreational Loans at 5.00% APR, Kirkwood Bank & Trust Co.Kirkwood Bank & Trust Co.A+5.0 ★Texas Ratio: 0.00% offering Lot Loan at 5.78% APR, Aspire Community Federal Credit UnionAspire Community Federal Credit UnionA+5.0 ★Texas Ratio: 3.85% offering Recreational Loans at 6.25% APR, MINOT AREA SCHOOLSMINOT AREA SCHOOLSA5.0 ★Texas Ratio: 13.80% offering Unsecured Loan at 8.49% APR, and Med Park Credit UnionMed Park Credit UnionA+5.0 ★Texas Ratio: 0.18% offering Signature Loan at 9.00% APR. Personal loan rates as of April 4, 2026 according to verified data from MonitorBankRates.

Minnewaukan borrowers have access to 14 lenders serving the North Dakota area, with personal loan rates as low as 5.00% APR from Tel-U-Watt Federal Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.

We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Minnewaukan, North Dakota.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Minnewaukan, North Dakota. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 4, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Tel-U-Watt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2023 & Newer Recreational Loans
5.00%
APR5.00%
Last UpdatedApril 5, 2026
Details

No additional details available.

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Lot Loan
5.78%
APR5.78%
Last UpdatedApril 5, 2026
Details

Promotion available 3/1/2026 through 6/30/2026; however, KBT reserves right to end promotion at any time. Rates are subject to changes without notice. Actual APR may vary depending on fees and loan terms. Consumer only. No Speculative financing. New money only. Fees may apply. Borrowers must meet underwriting guidelines and are subject to credit review and approval. Contact KBT for terms and conditions.

Tel-U-Watt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2022 & Older Recreational Loans
6.00%
APR6.00%
Last UpdatedApril 5, 2026
Details

No additional details available.

Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Recreational Loans
6.25%
APR6.25%
Last UpdatedApril 5, 2026
Details

As Low As

Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Equipment Loans
7.50%
APR7.50%
Last UpdatedApril 5, 2026
Details

As Low As

MINOT AREA SCHOOLS
Institution Rating:
A5.0 ★Texas Ratio: 13.80%
Unsecured Loan
8.49%
APR8.49%
Last UpdatedApril 5, 2026
Details

No additional details available.

Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Signature Loan
9.00%
APR9.00%
Last UpdatedApril 5, 2026
Details

As Low As

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
Energy Efficiency Loan
9.24%
APR9.24%
Last UpdatedApril 5, 2026
Details

As Low As

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans A+
9.25%
APR9.25%
Last UpdatedApril 5, 2026
Details

As Low As

University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Unsecured (signature) Loans
9.95%
APR9.95%
Last UpdatedApril 5, 2026
Details

As Low As

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans A
10.25%
APR10.25%
Last UpdatedApril 5, 2026
Details

As Low As

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
Personal Loan
10.49%
APR10.49%
Last UpdatedApril 5, 2026
Details

As Low As

Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
Unsecured Loan
11.74%
APR11.74%
Last UpdatedApril 5, 2026
Details

As Low As

FFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured (Signature)
11.75%
APR11.75%
Last UpdatedApril 5, 2026
Details

No additional details available.

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
Unsecured - Signature Loan/Line
12.00%
APR12.00%
Last UpdatedApril 5, 2026
Details

As Low As; to 21.25%

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Signature Loan
12.00%
APR12.00%
Last UpdatedApril 5, 2026
Details

As Low As; Signature

Northern Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
Signature Loans
12.00%
APR12.00%
Last UpdatedApril 5, 2026
Details

As Low As

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans B
12.25%
APR12.25%
Last UpdatedApril 5, 2026
Details

As Low As

United Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
Personal Loan
12.50%
APR12.50%
Last UpdatedApril 5, 2026
Details

No additional details available.

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans C
15.25%
APR15.25%
Last UpdatedApril 5, 2026
Details

As Low As

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans D
17.25%
APR17.25%
Last UpdatedApril 5, 2026
Details

As Low As

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans E
18.00%
APR18.00%
Last UpdatedApril 5, 2026
Details

As Low As

Tel-U-Watt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Note
18.00%
APR18.00%
Last UpdatedApril 5, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans A+
9.25%
APR9.25%
Last UpdatedApril 5, 2026
Details

As Low As

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans A
10.25%
APR10.25%
Last UpdatedApril 5, 2026
Details

As Low As

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
Personal Loan
10.49%
APR10.49%
Last UpdatedApril 5, 2026
Details

As Low As

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans B
12.25%
APR12.25%
Last UpdatedApril 5, 2026
Details

As Low As

United Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
Personal Loan
12.50%
APR12.50%
Last UpdatedApril 5, 2026
Details

No additional details available.

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans C
15.25%
APR15.25%
Last UpdatedApril 5, 2026
Details

As Low As

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans D
17.25%
APR17.25%
Last UpdatedApril 5, 2026
Details

As Low As

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans E
18.00%
APR18.00%
Last UpdatedApril 5, 2026
Details

As Low As

No debt consolidation personal loan rates found in Minnewaukan, ND currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Signature Loan
9.00%
APR9.00%
Last UpdatedApril 5, 2026
Details

As Low As

University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Unsecured (signature) Loans
9.95%
APR9.95%
Last UpdatedApril 5, 2026
Details

As Low As

FFE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured (Signature)
11.75%
APR11.75%
Last UpdatedApril 5, 2026
Details

No additional details available.

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
Unsecured - Signature Loan/Line
12.00%
APR12.00%
Last UpdatedApril 5, 2026
Details

As Low As; to 21.25%

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Signature Loan
12.00%
APR12.00%
Last UpdatedApril 5, 2026
Details

As Low As; Signature

Northern Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
Signature Loans
12.00%
APR12.00%
Last UpdatedApril 5, 2026
Details

As Low As

Tel-U-Watt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Note
18.00%
APR18.00%
Last UpdatedApril 5, 2026
Details

No additional details available.

No home improvement personal loan rates found in Minnewaukan, ND currently.

Minnewaukan, ND Personal Loan Rate Trends

Compare local Minnewaukan, ND personal loan rates against the statewide average

Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full North Dakota Personal Loan Trends →
Personal Loan — ND Avg
10.626%

North Dakota personal loan rates currently average 10.626% APR.

Signature Loan — ND Avg
11.121%

North Dakota signature loan rates currently average 11.121% APR.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions

What credit score do I need for a personal loan in North Dakota?

Most lenders in Minnewaukan, North Dakota require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in North Dakota often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Minnewaukan, North Dakota require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in North Dakota?

Yes. Debt consolidation is one of the most common uses of personal loans in Minnewaukan, North Dakota. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Minnewaukan, North Dakota?

Credit unions in Minnewaukan, North Dakota often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Minnewaukan, North Dakota?

  • Tel-U-Watt Federal Credit Union: 5.00% (2023 & Newer Recreational Loans)
  • Kirkwood Bank & Trust Co.: 5.78% (Lot Loan)
  • Aspire Community Federal Credit Union: 6.25% (Recreational Loans)
  • MINOT AREA SCHOOLS: 8.49% (Unsecured Loan)
  • Med Park Credit Union: 9.00% (Signature Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Minnewaukan, North Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 4, 2026.