Town And Country Credit Union Fargo ND | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Town And Country, your trusted financial partner located at 720 4th St N, Fargo, ND 58122. Since our establishment in 1939, we have been dedicated to serving our community with integrity and commitment. With over 27,210 members, we pride ourselves on providing personalized banking solutions that meet the unique needs of each individual. At Town And Country, we understand that managing your finances is essential to achieving your goals. That's why we offer a range of services from checking and savings accounts to auto loans and mortgages. Our total assets of $705,095,739 reflect our solid foundation and capability to support you in every step of your financial journey. Our leadership team is here for you. Led by CEO Kalli Schell and Board President David Ripplinger, we strive to foster a welcoming environment where every member feels valued. Whether you're looking for personal banking options or business services, our team of 161 employees is ready to assist you. While members can visit us at 720 4th St N, official correspondence should be sent to 720 4th St N, Fargo, ND 58122-4520. Our doors are open Monday through Friday from 7:30 am to 4:30 pm, ensuring we're available when you need us most. With a net worth of $86,698,385 and total deposits amounting to $44,834,429, we're equipped to help you secure your financial future. Plus, with over 14,533 loans and leases issued, we are committed to making dreams come true one loan at a time. Join us today at www.townandcountry.org or give us a call at 701-356-1750. We look forward to helping you navigate your financial path with confidence!

Branch History & Mission

Community Focus

Our commitment extends beyond individual banking needs; we actively participate in community outreach initiatives that make a positive impact in Fargo and surrounding areas. By partnering with local organizations and hosting events aimed at financial literacy, we strive to empower everyone in our community. While members can visit us at 720 4Th St N, official correspondence should be sent to 720 4th St N, Fargo, ND 58122-4520. If you have any questions or need assistance, please don't hesitate to call us at 701-356-1750 during our operating hours from 7:30 am to 4:30 pm on weekdays.

Join Us Today!

Experience the benefits of being part of a supportive community-focused credit union. At Town And Country, you're not just a member; you're part of a family dedicated to helping you succeed financially. Visit us today or check out our website at www.townandcountry.org for more information on how you can become a member and take advantage of all we have to offer!

Our Journey

From the moment we opened our doors, Town And Country has focused on building strong relationships with our members. Over the years, we have achieved remarkable milestones, including accumulating total assets of $705,095,739. Our growth reflects not only our commitment to sound financial practices but also our dedication to providing exceptional service and support to our members. We understand that community is at the heart of what we do. That's why we strive to offer services that meet the unique needs of those we serve. Whether you're looking for personal banking options like checking and savings accounts or financing solutions such as auto loans and mortgages, we're here to help you reach your goals.

Our Mission

At Town And Country, our mission goes beyond just offering financial products; we aim to uplift and empower our community. We believe in fostering financial wellness by providing educational resources and personalized support. Our team is dedicated to ensuring that every member feels valued and understood. We recognize the importance of accessibility in today's world. While we currently do not offer ATM services or drive-thru banking at this location, we make it easy for you to manage your finances online or through mobile banking options. You can count on us for secure transactions and responsive customer service.

Branch Location & Accessibility

Welcome to Town And Country, your friendly neighborhood credit union located at 720 4Th St N in Fargo, ND! We pride ourselves on being conveniently situated in Cass County, just a stone's throw away from the bustling heart of the city. Whether you're coming from downtown or nearby landmarks like the Fargo Theatre or the historic Plains Art Museum, you'll find our branch easily accessible and welcoming. At Town And Country, we understand that accessibility is key for our members. Our location features ample parking with easy entry and exit points. Additionally, we are committed to ensuring that everyone can visit us comfortably, so we have ADA-compliant features including ramps for those who need them. Our lobby hours are designed with your busy schedule in mind come see us Monday through Friday from 7:30 AM to 4:30 PM. While we currently do not offer drive-thru banking or ATM services at this location, our dedicated team is here to assist you in person with all your banking needs. You can reach us at 701-356-1750 if you have any questions or need assistance before your visit. For official correspondence, please note that while members can visit us at our branch address, mail should be directed to 720 4th St N, Fargo, ND 58122-4520. Whether you're looking to open a new account, apply for an auto loan, or learn more about our various services such as personal banking and credit cards with rewards, we invite you to stop by. Join the Town And Country family today your financial journey starts here!

Member Eligibility

At Town And Country, we're excited to welcome you into our community, where members come together to support one another. Becoming a member is simple and open to anyone who lives, works, or worships in the Fargo area. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or even mortgage options, we have something special for everyone. If you want to learn more about the specific eligibility criteria, check out this helpful resource: http://www.townandcountry.org/about/membership/open-an-account . When you're ready to take the next step, opening an account is straightforward; just visit us at http://www.townandcountry.org/about/membership/loan-application or give us a call at (701) 356-1750. We can't wait to help you start your journey with us at Town And Country, located at 720 4Th St N Fargo Nd 58122!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $3,363 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $426,299,499, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, efficient payment processing can enhance customer satisfaction and streamline operations. Our merchant services help you accept payments easily and securely whether online or in-store ensuring that you can focus on what you do best: running your business. Located at 720 4Th St N, Fargo, ND 58122, we invite local entrepreneurs to discover how our business banking solutions can elevate their success. Connect with us at 701-356-1750 or visit our website at townandcountry.org to learn more!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not offer ATM services on-site, our cash withdrawal services ensure that accessing your funds remains straightforward. At Town And Country, located at 720 4Th St N Fargo Nd 58122 in Fargo, we're here to serve our members with warmth and expertise. If you have any questions about our services or need assistance getting started, don't hesitate to reach out! Give us a call at (701) 356-1750, or visit us online at https://www.townandcountry.org for more information. Let us help you take control of your financial future today!

Business Banking

For our local businesses, Town And Country provides specialized banking solutions including merchant services and business loans. We understand the unique challenges businesses face and work alongside you to foster growth and success.

Digital Banking Convenience

In addition to our traditional banking services, we prioritize convenience through online and mobile banking options. With features like electronic signatures, mobile payments, person-to-person transfers, and e-statements, managing your finances has never been easier. You can access your accounts anytime from anywhere, ensuring that you stay on top of your financial commitments with ease.

Loans and Credit Options

Financial flexibility is key in today's world. That's why we offer personal loans and debt consolidation services aimed at helping you achieve your goals without the stress of overwhelming payments. Plus, our credit cards come with rewards that allow you to earn while you spend making every purchase count towards something more.

Personal Banking

When it comes to personal banking, Town And Country offers an array of options designed with your everyday needs in mind. From checking and savings accounts that help you manage your money effectively, to auto loans and vehicle financing that make purchasing your dream car a reality, we strive to provide solutions that fit into your life. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans are here to guide you through the process with competitive rates and personalized service.

Digital & Online Banking

Key Services for Your Convenience

With our online banking platform, you can check balances, transfer funds, and pay bills effortlessly. Plus, we offer electronic signature authorization, making it quick and easy to complete transactions without needing to visit a branch. If you prefer going paperless, our e-statements are available to help you stay organized while reducing clutter. For those on the go, our mobile application puts banking right in your pocket. You can use it for mobile payments, so buying coffee or groceries becomes a breeze. Want to split a bill with friends? Our person-to-person transfer feature allows you to send money instantly to anyone with just a few taps on your phone.

Security and Accessibility

Your security is our priority. We utilize advanced encryption technologies to keep your information safe while ensuring that our online services remain user-friendly. Whether you're accessing your account from a computer or using our mobile app, you can feel confident knowing that your data is protected. Managing your finances in real-time has never been easier. Whether you're at home or out running errands, you have the tools you need right at your fingertips. Experience the convenience of digital banking today with Town And Country and take control of your financial journey!

Financial Strength

Commitment to Growth

With $58,723,794 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $3,217 in used auto loans and $618,076,109 in total loans and leases.

Growing Trust

Total Share and Deposit Accounts: 59,055, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $16,064,384 further highlights our commitment to supporting your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Town And Country is your trusted partner. Visit us at 720 4Th St N Fargo Nd 58122 or call (701) 356-1750 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $213,528,803 in share certificates and $107,815,408 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.

Operational Efficiency

Our $2,974,359 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 152 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $86,698,385, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,230 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $47,069,765 in used vehicle loans and $13,415,876 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that fit your budget.

Credit Lines and Business Loans

For those needing extra flexibility, our total credit lines amounting to $160,091,813 offer access to funds when you need them. Additionally, for business owners, our outstanding commercial loans totaling $426,299,499 provide the capital needed to grow and expand. If you're interested in any of these options or want more details about refinancing or eligibility requirements, don't hesitate to reach out. You can contact us at (701) 356-1750 or visit us at our branch located at 720 4Th St N Fargo Nd 58122, Fargo, ND. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $25,579,732, make buying or refinancing simple. We aim to make the process as straightforward as possible so that you can focus on making your house a home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,534,447 in loans helping members manage their finances effectively. These cards come with various benefits that can assist you in managing everyday purchases while building your credit history.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With LendMesh, you can easily see what different lenders offer and choose the option that fits your needs. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to quality means you receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov ). Users can trust that the information presented is reliable and up-to-date. One of the key benefits of using LendMesh is its Verified Data feature. Loan offers are sourced from legitimate financial institutions, ensuring transparency in your search for the best loan rates. Additionally, LendMesh has a strict policy against Sponsored Listings; lenders are not prioritized based on paid promotions, which guarantees you receive unbiased results every time you compare loans. Another significant advantage is Real-Time Rate Comparisons. The platform provides up-to-date loan rates from multiple institutions, allowing users to make informed decisions without delay. 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!" If you're looking to find the best rates tailored to your specific needs, compare real-time loan offers today at LendMesh. *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.*

TOWN AND COUNTRY CREDIT UNION