Dakota West Credit Union

Overview / Commentary

www.dakotawestcu.com

701-444-6484

340 N Main St
Watford City, ND 58854

Dakota West Credit Union is headquartered in Watford City and is the 6^th largest credit union in the state of North Dakota. It is also the 866^th largest credit union in the nation. It was established in 1941 and as of December of 2018, it had grown to 56 employees and 7,500 members at 8 locations. Dakota West Credit Union has a B+ health rating.

Field of Membership Restrictions

Dakota West Credit Union of North Dakota is open to the people that live within the specified geographical boundaries that are listed on the credit union website and their family members.
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Health

B+

Data as of Q4 2018

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Health Grade Components

Overall
NCUA #	62380
Year Chartered	1941
Employees	56
Primary Regulator

Profit Margin
Return on Assets - YTD	0.95%
Return on Equity - YTD	8.26%
Annual Interest Income	$8.8MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$268.3MM$244.0MM
Loans	Q4 2018vs Q4 2017	$120.3MM$127.0MM
Deposits	Q4 2018vs Q4 2017	$236.7MM$214.2MM
Equity Capital	Q4 2018vs Q4 2017	$30.2MM$28.4MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.7MM$1.7MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$2.4MM$1.9MM
Real Estate Owned	Q4 2018vs Q4 2017	$1.4MM$1.4MM

Rates

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Savings
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Dakota West Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$50	-	IRA Savings
0.20%^*	$75k^*	-	Badlands Gold Savings
OTHER TIERS: 0.05% → $5k - $25k \| 0.10% → $25k - $75k
0.05%	-	-	Christmas Club
0.05%	$50	-	Badlands Savings
0.05%	$5	-	Pee Wee

Dakota West Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.15% → $10k+
0.10%	$2.5k	-	Badlands Gold Checking

Dakota West Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.15%	$500	-	60 Month CD
1.75%	$500	-	48 Month CD
1.50%	$500	-	36 Month CD
1.25%	$500	-	30 Month CD
1.25%	$100	-	29 Month Teen Add-On Certificate
1.10%	$500	-	24 Month CD
1.00%	$500	-	18 Month CD
0.75%	$500	-	12 Month CD
0.50%	$500	-	6 Month CD
0.50%	$100	-	11 Month Teen Add-On Certificate
0.25%	$500	-	3 Month CD

Dakota West Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.15%	$500	-	60 Month IRA Certificate
1.50%	$500	-	36 Month IRA Certificate
1.00%	$500	-	18 Month IRA Certificate

Locations

Dakota West Credit Union Locations
Branch Office	340 N MAIN ST	Watford City, ND 58854
Branch Office	118 Main St	Turtle Lake, ND 58575
Branch Office	501 East Ave	New Town, ND 58763
Branch Office	1187 Border Lane	Washburn, ND 58577
Branch Office	115 Main St	Grenora, ND 58845
Branch Office	211 1st Ave SW	Bowman, ND 58623
Branch Office	900 Main St	New England, ND 58647
Branch Office	202 Main St E	Mohall, ND 58761

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