Area Community Credit Union Grand Forks ND | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Area Community Credit Union, your trusted financial partner located at 2800 S Washington St, Grand Forks, ND 58201. Established in 1964, we have proudly served our community for nearly six decades, fostering a spirit of collaboration and support among our 2,017 members. With total assets of $26,408,688 and total deposits reaching $2,850,866, we are committed to providing exceptional financial services tailored to meet your needs. At Area Community Credit Union, we believe in empowering our members through accessible banking options. Our offerings include personal checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and business banking solutions. With a dedicated team of 9 employees, led by our CEO Connie Johnston and Board President Jonathon Vonesh, we strive to create a welcoming environment where everyone feels valued. While members can visit us at our branch for personalized service, official correspondence should be sent to the same address. We invite you to explore our website at gfaccu.com for more information about our services or to get in touch with us directly at 701-772-2690. Join us as we continue to build strong relationships within the Grand Forks community. Your financial success is our priority! Whether you're looking to open an account or need assistance with a loan, we're here to help you every step of the way. Visit us today or give us a call; we look forward to serving you!

Branch History & Mission

Community Focus

As part of our ongoing commitment to community welfare, we actively participate in local events and support various charitable causes. Our goal is not only to serve but also to uplift those around us. We understand that when our community thrives, we all benefit. While members can visit us at 2800 S Washington St for in-person assistance during lobby hours from 9 AM to 6 PM on weekdays, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to reach out at 701-772-2690. Join us today at Area Community Credit Union and experience firsthand how we're dedicated to making a positive impact in your life and in our community. Together, let's build a brighter financial future!

Our Mission

At the heart of Area Community Credit Union is a clear mission: to empower individuals and families by offering affordable financial solutions while fostering a sense of belonging. We strive to make banking accessible and straightforward for everyone. Whether you need assistance with loans or simply want to open a savings account, our team is here to guide you every step of the way. We pride ourselves on being more than just a financial institution; we are a vital part of Grand Forks. Our branch features convenient services like ATM access and drive-thru banking for quick transactions. In today's digital world, we've also embraced technology by providing online banking and mobile payment options that allow you to manage your finances from anywhere.

Branch Location & Accessibility

Call to Action

If you have any questions or need assistance, don't hesitate to reach out! Give us a call at 701-772-2690 or stop by our branch today. We look forward to welcoming you into our community!

Nearby Landmarks and Accessibility

Situated near prominent local spots, our branch is easy to reach for everyone. With ample parking available, you won't have to worry about finding a spot when you visit. We prioritize accessibility and ensure that our facilities are ADA compliant, featuring ramps and other support for all members of the community. While members can visit us at 2800 S Washington St, official correspondence should be sent to the same address for your convenience.

Operating Hours and Services

Our lobby hours are designed with your busy schedule in mind, open Monday through Friday from 9 AM to 6 PM. If you're on the go, we also offer drive-thru banking from 7 AM to 6 PM for quick deposits and withdrawals without leaving your vehicle. At Area Community Credit Union, we provide a variety of services tailored to meet your needs. From personal checking and savings accounts to auto loans and mortgage refinancing options, we're here to help you achieve your financial goals. And if you prefer cash transactions, we have an ATM available for withdrawals and balance checks.

Member Eligibility

At Area Community, we believe that joining our community is more than just opening an account it's about becoming part of a supportive family. If you're looking to become a member, you'll find that the process is straightforward and welcoming. Generally, membership is open to anyone who lives, works, or worships in our local area, making it easy for you to get involved. We encourage you to explore all the wonderful benefits that come with being a member at Area Community, from competitive loan rates to personalized service. If you're ready to take the next step, you can find detailed information on eligibility by visiting . Our friendly staff is also here to help; feel free to reach out at (701) 772-2690 for any questions or assistance you may need along the way. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

In addition to loans, our merchant services make transactions easier for you and your customers. Picture a busy day at your shop where customers can pay seamlessly with their cards or mobile wallets. Our services ensure you can accept payments effortlessly, allowing you to focus on what matters most growing your business. Visit us at 2800 S Washington St Grand Forks Nd 58201 in Grand Forks, ND, or call us at (701) 772-2690 to learn more about how our business banking and commercial services can help propel your success!

Comprehensive List Of Services

Credit Card and Business Banking Options

Additionally, we offer credit cards with rewards, allowing you to earn points on everyday purchases that can lead to exciting rewards. If you're an entrepreneur or small business owner, our business banking services include merchant services and business loans designed to help your venture thrive.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize digital solutions at Area Community. With our online and mobile banking, managing your finances has never been easier. You can check balances, transfer funds, and pay bills from the comfort of your home or on the go using our user-friendly app. Need cash quickly? Our branch provides ATM services for easy withdrawals and balance checks. If you're ever in a hurry but still want personal service, take advantage of our drive-thru banking for quick deposits and withdrawals without leaving your vehicle.

Get Started Today!

Ready to take control of your financial future? Call us at 701-772-2690 or visit us at our branch in Grand Forks. Our friendly team is here to assist you with all your banking needs! Explore more about what we offer by visiting our website at http://www.gfaccu.com. Join Area Community today and experience the difference personalized banking can make!

Personal Banking Services

Our personal banking options include checking and savings accounts designed to fit your lifestyle. Imagine having easy access to your funds whenever you need them while also earning interest on your savings. With our auto loans and vehicle financing, getting behind the wheel of your dream car is easier than ever. We offer competitive rates and flexible terms that can accommodate any budget. When it comes to home ownership, our mortgage loans and refinancing options provide the assistance you need. Picture yourself moving into your new home with confidence, knowing you secured a great deal through our personalized service. For those looking to consolidate debt or fund a special project, our personal loans are straightforward and accessible.

Digital & Online Banking

Key Features

Enjoy the convenience of e-statements, which are available for your review anytime. Say goodbye to paper clutter and easily track your transactions digitally. We also support mobile payments, allowing you to make purchases securely with just your phone. Need to send money to friends or family? Our person-to-person transfers make this quick and simple. You won't have to worry about complicated processes; just a straightforward way to share funds when needed. Security is paramount at Area Community. While we don't use electronic signature authorization for certain transactions, our commitment to protecting your information remains strong. We take every measure to ensure that your online banking experience is safe and secure. With all these features combined, you can manage your money in real time with ease and confidence. At Area Community, we're dedicated to providing you with accessible tools that enhance your banking experience while keeping it user-friendly. Explore more about our digital services by visiting us at http://www.gfaccu.com. Your financial journey starts here!

Financial Strength

At Area Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. You can trust that your financial future is in capable hands with us. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $5,280,076, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,994 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $4,252,511 in share certificates and $5,620,864 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $4,753,836 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Furthermore, with $398 in used auto loans and $19,003,963 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $105,961, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand strong at 3,533, showing a robust and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Area Community is your trusted partner. Visit us at 2800 S Washington St Grand Forks Nd 58201 or call (701) 772-2690 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,982,828 in used vehicle loans and $6,150,678 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used car, we have options tailored just for you.

Credit Lines and Personal Financing

We provide credit lines loans up to $500,000, giving you flexibility when you need it most. Whether it's for unexpected expenses or planned purchases, having access to these funds can help keep your finances on track. For those who prefer managing everyday costs without collateral, our unsecured credit card loans are available as well. While there are currently $0 in unsecured credit card loans issued, we strive to meet your needs effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,390,005, make buying or refinancing simple. We offer competitive rates and flexible terms to help you navigate the home-buying process with ease.

Refinancing Options

If you're considering refinancing any existing loans or credit lines, we're here to assist you. Our team can guide you through eligibility options that may allow for lower rates or better terms. Our financial data is sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information about our loan products or to discuss your financial needs further, feel free to contact us at 701-772-2690 or visit us at 2800 S Washington St Grand Forks Nd 58201. We look forward to helping you achieve your financial dreams!

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect the true market. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, which helps them make informed decisions based on current market conditions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial exemplifies how LendMesh can lead to significant savings and better financial choices. For anyone looking to explore their borrowing options efficiently, compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This strict adherence to established guidelines ensures that users receive fair and transparent offers without any hidden agendas.

Area Community