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Overview / Commentary
800-872-6358
615 S Broadway
Minot, ND 58701-4473

Town And Country Credit Union is headquartered in Minot and is the 3rd largest credit union in the state of North Dakota. It is also the 618st largest credit union in the nation. It was established in 1939 and as of March of 2014, it had grown to 102 employees and 17,382 members. Town And Country Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live within 75 miles radius of Minot, 50 miles radius of Kenmare or 50 miles radius of the Fargo-Moorhead area. - See Details

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Town And Country Credit Union had $103,000 in non-current loans and owned real-estate with $47.4 million in equity and loan loss allowances on hand to cover it. This gives Town And Country Credit Union a Texas Ratio of 0.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Town And Country Credit Union decreased dramatically from 0.40% as of March 31, 2013 to 0.22% as of March 31, 2014, resulting in a positive change of 45.81%.This indicates that the balance sheet and financial strength for Town And Country Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Town And Country Credit Union has increased its total deposits by $18.96 million, resulting in 6.53% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Town And Country Credit Union has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Town And Country Credit Union has $352.93 million in assets with $47.4 million in equity, resulting in a capitalization level of 13.43%, which is excellent.

Institution Statistics

Overall
NCUA #60790
Year Chartered1939
Employees102
Primary Regulator
Assets and Liabilities
Assets$352.93 million
Loans$295.16 million
Deposits$309.53 million
Equity Capital$42.40 million
Loan Loss Allowance$5.00 million
Unbacked Noncurrent Loans$103,000
Real Estate Owned$0
Historic Data - March 2013
Assets$328.92 million
Equity Capital$37.29 million
Loan Loss Allowance$3.87 million
Unbacked Noncurrent Loans$103,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.18%
Return on Assets1.08%
Return on Equity9%
Interest Income$3.52 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Town And Country Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Town And Country Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$300-IRA Daily Savings Account
0.10%$300-Roth IRA Daily Savings Account
0.10%$300-CESA Daily Savings Account
0.05%$300-Share Savings Account
0.05%$300-Special Savings Account
0.05%$300-Christmas Club Account
0.05%$300-Vacation Club Account
0.05%--Pee Wee Savings Account

Town And Country Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$250k-Premium Money Market Savings Account
0.10%$1k-Money Market Savings Account

Town And Country Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.02%$1,500-Premium Checking Account
0.01%$300-Progress Checking Account
0.00%--Perks Checking Account

Town And Country Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.35%--60 Month Rockin Relationship Bump-Up CD
1.35%$500-60 Month Relationship Bump-Up CD
1.35%$500-60 Month Reward Relationship Bump-Up CD
1.00%--48 Month Rockin Relationship Bump-Up CD
1.00%$500-48 Month Relationship Bump-Up CD
1.00%$500-48 Month Reward Relationship Bump-Up CD
0.75%--36 Month Rockin Relationship Bump-Up CD
0.75%$500-36 Month Relationship Bump-Up CD
0.75%$500-36 Month Reward Relationship Bump-Up CD
0.65%--11 Month Relationship CD Special
0.65%--11 Month Reward Relationship CD Special
0.65%--11 Month Rockin Relationship CD Special
0.55%--24 Month Rockin Relationship CD
0.55%$500-24 Month Relationship CD
0.55%$500-24 Month Reward Relationship CD
0.35%--12 Month Rockin Relationship Bump-Up CD
0.35%$500-12 Month Relationship Bump-Up CD
0.35%$500-12 Month Reward Relationship Bump-Up CD
0.25%--9 Month Rockin Relationship CD
0.25%$500-9 Month Relationship CD
0.25%$500-9 Month Reward Relationship CD
0.15%--6 Month Rockin Relationship CD
0.15%$500-6 Month Relationship CD
0.15%$500-6 Month Reward Relationship CD
0.05%--3 Month Rockin Relationship CD
0.05%$500-3 Month Relationship CD
0.05%$500-3 Month Reward Relationship CD

Town And Country Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.35%$500-60 Month Relationship Bump-Up IRA
1.35%$500-60 Month Reward Relationship Bump-Up IRA
1.35%--60 Month Rockin Relationship Bump-Up IRA
1.00%$500-48 Month Relationship Bump-Up IRA
1.00%$500-48 Month Reward Relationship Bump-Up IRA
1.00%--48 Month Rockin Relationship Bump-Up IRA
0.75%$500-36 Month Relationship Bump-Up IRA
0.75%$500-36 Month Reward Relationship Bump-Up IRA
0.75%--36 Month Rockin Relationship Bump-Up IRA
0.65%$5k-11 Month Relationship IRA Special
0.65%$5k-11 Month Reward Relationship IRA Special
0.65%$5k-11 Month Rockin Relationship IRA Special
0.55%$500-24 Month Relationship IRA
0.55%$500-24 Month Reward Relationship IRA
0.55%--24 Month Rockin Relationship IRA
0.35%$500-12 Month Relationship Bump-Up IRA
0.35%$500-12 Month Reward Relationship Bump-Up IRA
0.35%--12 Month Rockin Relationship Bump-Up IRA
0.25%$500-9 Month Relationship IRA
0.25%$500-9 Month Reward Relationship IRA
0.25%--9 Month Rockin Relationship IRA
0.15%$500-6 Month Relationship IRA
0.15%$500-6 Month Reward Relationship IRA
0.15%--6 Month Rockin Relationship IRA
0.05%$500-3 Month Relationship IRA
0.05%$500-3 Month Reward Relationship IRA
0.05%--3 Month Rockin Relationship IRA
Locations


Town And Country Credit Union Locations
Branch Office925 14th Ave EWest Fargo, ND 58078-3311
Branch Office221 N Main StRyder, ND 58779-7902
Branch Office3630 S Broadway Ste BMinot, ND 58701-7424
Branch Office1501 32nd Ave SFargo, ND 58103-5902
Branch Office1101 4th St SE Suite 101Stanley, ND 58784
Branch Office720 4th St N Route # 241Fargo, ND 58122-4520
Branch Office108 N Central AveKenmare, ND 58746-7101
Branch Office615 S BroadwayMinot, ND 58701-4473
Branch Office815 25th St SFargo, ND 58103-2397