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

Current personal loan options available to borrowers in Stanley, North Dakota include: Town and Country Credit UnionTown and Country Credit Union1101 4th St SE, Stanley, ND, 58784A+5.0 ★Texas Ratio: 3.36% offering Unsecured Loan at 11.74% APR, 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, Aspire Community Federal Credit UnionAspire Community Federal Credit UnionA+5.0 ★Texas Ratio: 3.85% offering Recreational Loans at 6.25% APR, Med Park Credit UnionMed Park Credit UnionA+5.0 ★Texas Ratio: 0.18% offering SIGNATURE LOAN at 9.00% APR, and Service Federal Credit UnionService Federal Credit UnionA5.0 ★Texas Ratio: 11.03% offering Energy Efficiency Loan at 9.24% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Stanley has 1 local institution in our database, with personal loan rates as low as 11.74% APR from Town and Country Credit Union at 1101 4th St SE, Stanley, ND, 58784. 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 Stanley, North Dakota.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Stanley, 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 19, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1101 4th St SE, Stanley, ND, 58784
Unsecured Loan
11.74%
APR11.74%
Last UpdatedApril 22, 2026
Details

As Low As

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 22, 2026
Details

No additional details available.

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 22, 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 22, 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 22, 2026
Details

As Low As

Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
SIGNATURE LOAN
9.00%
APR9.00%
Last UpdatedApril 22, 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 22, 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 22, 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 22, 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 22, 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 22, 2026
Details

As Low As

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Signature Loan
12.00%
APR12.00%
Last UpdatedApril 22, 2026
Details

As Low As

Northern Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
Signature Loans
12.00%
APR12.00%
Last UpdatedApril 22, 2026
Details

As Low As

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
Unsecured - Signature Loan/Line
12.00%
APR12.00%
Last UpdatedApril 22, 2026
Details

As Low As; to 21.25%

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans B
12.25%
APR12.25%
Last UpdatedApril 22, 2026
Details

As Low As

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans C
15.25%
APR15.25%
Last UpdatedApril 22, 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 22, 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 22, 2026
Details

No additional details available.

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans E
18.00%
APR18.00%
Last UpdatedApril 22, 2026
Details

As Low As

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 22, 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 22, 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 22, 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 22, 2026
Details

As Low As

POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans C
15.25%
APR15.25%
Last UpdatedApril 22, 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 22, 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 22, 2026
Details

As Low As

No debt consolidation personal loan rates found in Stanley, 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 22, 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 22, 2026
Details

As Low As

Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Signature Loan
12.00%
APR12.00%
Last UpdatedApril 22, 2026
Details

As Low As

Northern Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
Signature Loans
12.00%
APR12.00%
Last UpdatedApril 22, 2026
Details

As Low As

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
Unsecured - Signature Loan/Line
12.00%
APR12.00%
Last UpdatedApril 22, 2026
Details

As Low As; to 21.25%

Tel-U-Watt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Note
18.00%
APR18.00%
Last UpdatedApril 22, 2026
Details

No additional details available.

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

Stanley, ND Personal Loan Rate Trends

Compare local Stanley, 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
12.475%
▼ 0.003 vs 7 days ago

North Dakota personal loan rates fell 0.003 points over the past 7 days to 12.475% APR.

Signature Loan — ND Avg
11.994%
Unchanged vs 7 days ago

North Dakota signature loan rates currently average 11.994% APR.

As of Apr 22, 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 Stanley, 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 Stanley, 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 Stanley, 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 Stanley, North Dakota?

Credit unions in Stanley, 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 Stanley, North Dakota?

  • Town and Country Credit Union: 11.74% (Unsecured Loan)
  • Tel-U-Watt Federal Credit Union: 5.00% (2023 & Newer Recreational Loans)
  • Aspire Community Federal Credit Union: 6.25% (Recreational Loans)
  • Med Park Credit Union: 9.00% (SIGNATURE LOAN)
  • Service Federal Credit Union: 9.24% (Energy Efficiency Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Stanley, North Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026.