Question 1

What is Town and Country Credit Union (ND)?

Accepted Answer

Town and Country Credit Union (ND) is a state-chartered credit union headquartered in Minot, North Dakota. Founded in 1939, it has grown into a substantial financial cooperative serving over 26,000 members across North Dakota with approximately $737 million in total assets as of 2025.

The credit union specializes in serving both consumer and agricultural markets, with a strong focus on supporting farmers, small businesses, and local communities. Town and Country Credit Union operates 10 branch locations throughout the state, providing comprehensive financial services to members in the Minot, Fargo, Kenmare, Stanley, and West Fargo areas.

Question 2

When was Town and Country Credit Union (ND) founded?

Accepted Answer

Town and Country Credit Union was chartered in 1939 during the Great Depression. The credit union was founded by a group of farmers and individuals from the Ward County area who pooled their resources to address a critical need in the agricultural community.

During this difficult economic period, traditional banks had largely stopped lending to farmers. In response, area farmers came together to create their own financial cooperative, enabling them to provide loans to other farms and offer depositors higher returns on their savings while giving borrowers access to loans at lower rates. This cooperative spirit and commitment to serving the agricultural community remains central to the credit union's identity today.

Question 3

Where is Town and Country Credit Union (ND) headquartered?

Accepted Answer

Town and Country Credit Union is headquartered at 615 South Broadway in Minot, North Dakota. This main office serves as the administrative hub for the credit union's operations and houses key departments including executive leadership, finance, human resources, marketing, IT, operations, and lending administration.

The Minot headquarters is a modern facility designed to be accessible and welcoming to members, reflecting the credit union's commitment to exceptional service. The location provides comprehensive financial services and extended hours to serve the community.

Question 4

Where does Town and Country Credit Union (ND) operate?

Accepted Answer

Town and Country Credit Union operates exclusively within North Dakota, with 10 branch locations serving members across the state. The credit union has a community charter with specific field of membership requirements.

Membership is open to anyone living within 75 miles of Minot and 50 miles of Fargo or Kenmare. This geographic footprint allows the credit union to serve both urban centers and rural agricultural communities.

Branch locations include three locations in Minot (Main, Dakota Square, and South Broadway), multiple branches in the Fargo-West Fargo metro area (including a location at Sanford Medical Center), and branches in Kenmare and Stanley. The credit union also maintains an on-site branch at Trinity Hospital in Minot to serve healthcare workers and patients.

Question 5

What services does Town and Country Credit Union (ND) offer?

Accepted Answer

Town and Country Credit Union provides a comprehensive range of financial products and services for both personal and business banking needs:

Deposit Accounts: The credit union offers checking accounts, including their Star Reward Checking Account, savings accounts with competitive rates (including a promotional rate of 3% APY on deposits up to $20,000), money market accounts, and certificates of deposit. Youth accounts are available to help young members build financial literacy.

Lending Products: Members have access to various loan products including mortgage loans (VA Home Loans, First-Time Home Buyer Loans, conventional mortgages, and refinancing), auto loans, personal loans, business loans, and SBA loans for small businesses. The credit union has particular expertise in agricultural lending, reflecting its founding mission to serve farmers.

Credit Cards: Town and Country offers an Unlimited Cash Back Visa Signature Credit Card with no annual fee.

Digital Banking Services: Members can access accounts 24/7 through online banking, a mobile app available on iOS and Android devices with features like mobile check deposit, bill pay, account transfers, fingerprint login, and balance alerts. The credit union also provides access to over 38,000 surcharge-free ATMs nationwide through the Co-Op network.

Business Services: The credit union serves business members with commercial checking and savings accounts, business lending, and SBA loan programs.

Additional Services: Investment and retirement planning services are available to help members plan for their financial future.

Question 6

What makes Town and Country Credit Union (ND) unique?

Accepted Answer

Town and Country Credit Union distinguishes itself through its deep agricultural roots and ongoing commitment to serving farmers. Unlike many financial institutions that exited agricultural lending during the Great Depression, Town and Country was specifically created to fill that void, and it continues to maintain expertise in farm lending and understanding the unique financial challenges of the agricultural sector.

The credit union emphasizes a member-first, relationship-based approach that combines small-town friendliness with big-city amenities. Members consistently describe the credit union as treating them "like family" rather than just account numbers, with staff who know members by name and take time to provide personalized financial guidance.

Town and Country has demonstrated strong community involvement and commitment, actively contributing to local communities through volunteering, philanthropic giving, and education initiatives. The credit union was honored with the Dora Maxwell Social Responsibility Community Service Award by the Dakota Credit Union Association in 2023, recognizing its outstanding social responsibility projects.

The credit union maintains a strong focus on both business and personal banking, with particular expertise in helping small businesses get started and grow, offering services like SBA loans and dedicated business relationship managers who understand local industries including agriculture and energy.

Question 7

What type of financial institution is Town and Country Credit Union (ND)?

Accepted Answer

Town and Country Credit Union is a state-chartered credit union regulated by the North Dakota Department of Financial Institutions and insured by the National Credit Union Administration (NCUA). As a state-chartered institution, it operates under North Dakota state regulations while maintaining federal deposit insurance.

As a credit union, it operates as a not-for-profit financial cooperative owned by its members. This cooperative structure means that members are both customers and owners, with any profits returned to members through higher deposit rates, lower loan rates, and enhanced services rather than distributed to outside shareholders.

The credit union's field of membership is based on a community charter, allowing anyone who lives, works, worships, or attends school within 75 miles of Minot or 50 miles of Fargo or Kenmare to join. Businesses and other legal entities located within these areas are also eligible for membership.

Town and Country Credit Union is classified as "Well Capitalized" by the NCUA, with a net worth ratio of 12.57% as of 2025, demonstrating strong financial health and stability. The credit union serves approximately 26,400 members with a potential membership base of 300,000 individuals within its field of membership area.

Town and Country Credit Union (ND)

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About Town and Country Credit Union (ND) in the United States