Town And Country Credit Union

Town And Country Credit Union Locations
615 South Broadway
Minot, ND 58701
800-872-6358
www.townandcountry.org

Town And Country Credit Union is headquartered in Minot and is the 2nd largest credit union in the state of North Dakota. It is also the 640th largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 81 employees and 15,856 members. Town And Country Credit Union has a 5-star health rating.



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See Rates for: Checking | Savings | Money Market | CD | IRA

Town And Country Credit Union Checking Account Rates

ApyMinMaxProduct
0.02%$1,500-Premium Checking Account
0.01%$300-TCCU Checking Account
0.00%--Free Checking Account

Town And Country Credit Union Savings Account Rates

ApyMinMaxProduct
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
0.05%$300-Vacation Club Account

Town And Country Credit Union Money Market Rates

ApyMinMaxProduct
0.20%$25k-Premium Money Market Savings Account
0.10%$1k-Money Market Savings Account

Town And Country Credit Union CD Rates

ApyMinMaxProduct
1.50%--60 Month Rockin Relationship Bump-Up CD
1.50%$500-60 Month Relationship Bump-Up CD
1.50%$500-60 Month Reward Relationship Bump-Up CD
1.25%--48 Month Rockin Relationship Bump-Up CD
1.25%$500-48 Month Relationship Bump-Up CD
1.25%$500-48 Month Reward Relationship Bump-Up CD
1.00%--36 Month Rockin Relationship Bump-Up CD
1.00%$500-36 Month Relationship Bump-Up CD
1.00%$500-36 Month Reward Relationship Bump-Up CD
0.85%--24 Month Rockin Relationship CD
0.85%$500-24 Month Relationship CD
0.85%$500-24 Month Reward Relationship CD
0.50%--12 Month Rockin Relationship Bump-Up CD
0.50%$500-12 Month Relationship Bump-Up CD
0.50%$500-12 Month Reward Relationship Bump-Up CD
0.25%--3 Month Rockin Relationship CD
0.25%--6 Month Rockin Relationship CD
0.25%--9 Month Rockin Relationship CD
0.25%$500-9 Month Relationship CD
0.25%$500-9 Month Reward Relationship CD
0.25%$500-6 Month Relationship CD
0.25%$500-6 Month Reward Relationship CD
0.25%$500-3 Month Relationship CD
0.25%$500-3 Month Reward Relationship CD

Town And Country Credit Union IRA Rates

ApyMinMaxProduct
1.50%$500-60 Month Relationship Bump-Up IRA
1.50%$500-60 Month Reward Relationship Bump-Up IRA
1.50%--60 Month Rockin Relationship Bump-Up IRA
1.50%$500-60 Month Relationship Bump-Up Roth IRA
1.50%$500-60 Month Reward Relationship Bump-Up Roth IRA
1.50%--60 Month Rockin Relationship Bump-Up Roth IRA
1.50%$500-60 Month Relationship Bump-Up CESA
1.50%$500-60 Month Reward Relationship Bump-Up CESA
1.50%--60 Month Rockin Relationship Bump-Up CESA
1.25%$500-48 Month Relationship Bump-Up IRA
1.25%$500-48 Month Reward Relationship Bump-Up IRA
1.25%--48 Month Rockin Relationship Bump-Up IRA
1.25%$500-48 Month Relationship Bump-Up Roth IRA
1.25%$500-48 Month Reward Relationship Bump-Up Roth IRA
1.25%--48 Month Rockin Relationship Bump-Up Roth IRA
1.25%$500-48 Month Relationship Bump-Up CESA
1.25%$500-48 Month Reward Relationship Bump-Up CESA
1.25%--48 Month Rockin Relationship Bump-Up CESA
1.00%$500-36 Month Relationship Bump-Up IRA
1.00%$500-36 Month Reward Relationship Bump-Up IRA
1.00%--36 Month Rockin Relationship Bump-Up IRA
1.00%$500-36 Month Relationship Bump-Up Roth IRA
1.00%$500-36 Month Reward Relationship Bump-Up Roth IRA
1.00%--36 Month Rockin Relationship Bump-Up Roth IRA
1.00%$500-36 Month Relationship Bump-Up CESA
1.00%$500-36 Month Reward Relationship Bump-Up CESA
1.00%--36 Month Rockin Relationship Bump-Up CESA
0.85%$500-24 Month Relationship IRA
0.85%$500-24 Month Reward Relationship IRA
0.85%--24 Month Rockin Relationship IRA
0.85%$500-24 Month Relationship Roth IRA
0.85%$500-24 Month Reward Relationship Roth IRA
0.85%--24 Month Rockin Relationship Roth IRA
0.85%$500-24 Month Relationship CESA
0.85%$500-24 Month Reward Relationship CESA
0.85%--24 Month Rockin Relationship CESA
0.50%$500-12 Month Relationship Bump-Up IRA
0.50%$500-12 Month Reward Relationship Bump-Up IRA
0.50%--12 Month Rockin Relationship Bump-Up IRA
0.50%$500-12 Month Relationship Bump-Up Roth IRA
0.50%$500-12 Month Reward Relationship Bump-Up Roth IRA
0.50%--12 Month Rockin Relationship Bump-Up Roth IRA
0.50%$500-12 Month Relationship Bump-Up CESA
0.50%$500-12 Month Reward Relationship Bump-Up CESA
0.50%--12 Month Rockin Relationship Bump-Up CESA
0.25%$500-3 Month Relationship IRA
0.25%$500-3 Month Reward Relationship IRA
0.25%--3 Month Rockin Relationship IRA
0.25%$500-6 Month Relationship IRA
0.25%$500-6 Month Reward Relationship IRA
0.25%--6 Month Rockin Relationship IRA
0.25%$500-9 Month Relationship IRA
0.25%$500-9 Month Reward Relationship IRA
0.25%--9 Month Rockin Relationship IRA
0.25%$500-3 Month Relationship Roth IRA
0.25%$500-3 Month Reward Relationship Roth IRA
0.25%--3 Month Rockin Relationship Roth IRA
0.25%$500-6 Month Relationship Roth IRA
0.25%$500-6 Month Reward Relationship Roth IRA
0.25%--6 Month Rockin Relationship Roth IRA
0.25%$500-9 Month Relationship Roth IRA
0.25%$500-9 Month Reward Relationship Roth IRA
0.25%--9 Month Rockin Relationship Roth IRA
0.25%$500-3 Month Relationship CESA
0.25%$500-3 Month Reward Relationship CESA
0.25%--3 Month Rockin Relationship CESA
0.25%$500-6 Month Relationship CESA
0.25%$500-6 Month Reward Relationship CESA
0.25%--6 Month Rockin Relationship CESA
0.25%$500-9 Month Relationship CESA
0.25%$500-9 Month Reward Relationship CESA
0.25%--9 Month Rockin Relationship CESA

Rates updated: 5/27/2012

Data for Q4 2011


Institution Statistics


TOWN AND COUNTRY
NCUA #60790
BankRate ReportView
Year Chartered1939
Employees81
Primary Regulator

Assets and Liabilities

Assets$296.91 million
Loans$221.85 million
Deposits$264.86 million
Equity Capital$30.93 million
Loan Loss Allowance$1.75 million
Unbacked Noncurrent Loans$147,000

Historic Data - December 2010

Assets$247.89 million
Equity Capital$27.00 million
Loan Loss Allowance$964,000
Unbacked Noncurrent Loans$520,000

Profit Margin - Quarterly

Net Interest Margin5.39%
Return on Assets1.31%
Return on Equity12.54%
Interest Income$12.29 million
Non-Interest Income$6.00 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Town And Country Credit Union had $147,000 in non-current loans and owned real-estate with $32.68 million in equity and loan loss allowances on hand to cover it. This gives Town And Country Credit Union a Texas Ratio of 0.45% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Town And Country Credit Union decreased significantly from 1.86% as of December 31, 2010 to 0.45% as of December 31, 2011, resulting in a positive change of 75.81%.This indicates that the balance sheet and financial strength for Town And Country Credit Union has improved significantly in recent periods.
Deposit Growth5
In the past year, Town And Country Credit Union has increased its total deposits by $45.14 million, resulting in 20.55% 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.
Capitalization4
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 $296.91 million in assets with $32.68 million in equity, resulting in a capitalization level of 11.01%, which is above average.
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