United Community Credit Union University Grand Forks ND | Affordable Vehicle Loans & Mortgage Refinancing

Introduction

Welcome to University, your trusted financial partner located at 1575 17Th Ave S, Grand Forks, ND 58201. Since our establishment in 1937, we've grown into a vital part of the community, serving over 3,539 members with a commitment to providing personalized banking solutions. As a member-focused credit union, we pride ourselves on understanding your needs and helping you achieve your financial goals. With total assets exceeding $44,978,149, and total deposits amounting to $3,681,865, we ensure your money is not only safe but also working hard for you. Our financial stability is further highlighted by a net worth of $5,666,241 and cash on hand totaling $225,593. Whether you're looking for auto loans or personal banking services, our dedicated team of 9 employees, led by CEO Lacey Fetsch and Board President Ryan Jundt, is here to assist you every step of the way. While members can visit us at our branch location, official correspondence should be sent to 1575 17th Ave S, Grand Forks, ND 58201. You can reach us anytime at 701-775-3738 or explore our website at universityfederalcu.org for more information about our services. At University Credit Union, we believe in investing in our community. From offering competitive loan rates currently supporting over 2,794 loans and leases to facilitating easy online and mobile banking experiences, we're dedicated to making banking simple and accessible for everyone. We invite you to stop by our branch during lobby hours from 8:30 AM to 6:00 PM Monday through Friday, or give us a call to learn how we can help you thrive financially. Your journey towards better banking starts here!

Branch History & Mission

Community Commitment

At the heart of what we do is a profound dedication to giving back. We believe in building partnerships within Grand Forks and supporting local initiatives that uplift our neighbors. From educational programs to community events, we strive to be an active participant in making Grand Forks a better place for everyone. While members can visit us at 1575 17Th Ave S Grand Forks Nd 58201, official correspondence should be sent to our mailing address at 1575 17th Ave S, Grand Forks, ND 58201. We invite you to take advantage of our operating hours, Monday through Friday from 8:30 AM to 6:00 PM, where you can access a range of services including ATMs and drive-thru banking options.

Join Us

As we look towards the future, we remain committed to innovation and accessibility. With features like online banking and mobile payments, we're making it easier than ever for you to manage your finances on your terms. We encourage you to join us at University and experience firsthand the difference that comes from being part of a member-focused credit union. Together, let's build a brighter financial future for you and our community! For more information or assistance, please call us at (701) 775-3738 or visit our website at https://www.universityfederalcu.org/ .

Our Journey

Since its inception, University has evolved significantly. We started as a small credit union focused on providing essential banking services. Over the years, we've expanded our offerings to include personal banking, auto loans, mortgage options, and business banking services. Today, with total assets reaching an impressive $44,978,149, we stand as a testament to the strength and resilience of credit unions in fostering financial well-being. Our journey reflects not just growth in numbers but also a deepening commitment to our mission: to empower our members through accessible financial services while supporting the local community. Each decision we make aligns with this mission whether it's introducing new digital banking features or enhancing customer service initiatives that prioritize your experience.

Branch Location & Accessibility

Welcome to the University branch, your friendly neighborhood credit union located at 1575 17th Ave S in Grand Forks, ND. We understand how important convenience is for our members, which is why our branch is easily accessible. Situated near popular local spots, you can find us just a short drive from the bustling downtown area, making it easy to stop by whether you're running errands or heading home. While members can visit us at our physical location, official correspondence should be sent to the same address: 1575 17th Ave S, Grand Forks, ND 58201. Our branch offers ample parking and is fully ADA-compliant, ensuring that everyone can access our services comfortably. We're proud to serve you Monday through Friday from 8:30 AM to 6:00 PM, so whether you need assistance with personal banking, auto loans, or business services, we're here for you during convenient hours. Plus, if you're in a hurry, take advantage of our drive-thru banking for quick deposits and withdrawals without leaving your vehicle. Need cash? Our ATM is available on-site for your convenience. If you have any questions or would like more information about our services, feel free to give us a call at 701-775-3738. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of University is like joining a caring community that prioritizes your financial well-being. If you're looking to connect with a credit union that values its members, you're in the right place! To qualify for membership, you generally need to live, work, or study in the area surrounding 1575 17Th Ave S Grand Forks Nd 58201. This means that if you're part of our vibrant community, you can easily become a member and enjoy all the benefits we offer. At University, we pride ourselves on providing personalized service and a range of financial products designed to help you achieve your goals. Getting started is simple! You can learn more about the specific eligibility criteria by visiting our website at . If you're ready to open an account or have any questions, don't hesitate to reach out to us at (701) 775-3738. We're excited to welcome you into our family at University, where your financial journey is supported every step of the way!

Business Banking & Commercial Services

Practical Merchant Services

When it comes to daily operations, having the right tools makes all the difference. Our merchant services offer easy payment solutions that fit seamlessly into your business model. Imagine your customers enjoying quick and secure transactions while you focus on what matters most growing your business. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. At University, located at 1575 17Th Ave S Grand Forks Nd 58201 in Grand Forks, ND, we're here to empower your entrepreneurial journey. Reach out to us at (701) 775-3738 to discover how we can assist you today!

Tailored Loan Options

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. Although we currently have no non-member commercial loans available, we invite all local entrepreneurs to explore the possibilities with us.

Comprehensive List Of Services

Business Banking Tailored for You

For business owners, our Business Banking services include essential tools like Merchant Services and Business Loans that help streamline operations and fuel growth. Whatever your business needs are, we're committed to providing support tailored just for you.

Convenience at Your Fingertips

With hours designed around your busy schedule Monday through Friday from 8:30 AM to 6:00 PM you'll find it easy to drop by or call us at (701) 775-3738 for any inquiries or assistance. Our friendly staff is always ready to help! In addition, if you're looking for simple transactions like deposits and withdrawals without entering the branch, take advantage of our Basic Drive-Thru Banking option. At University, we strive to provide comprehensive services that cater to all aspects of your financial life while ensuring convenience and ease of access through both digital and traditional banking methods. Ready to explore how we can help? Visit us today or check out more about our services online at Branch Ofc. We're excited to be part of your financial journey!

Financing Your Dreams

If you're considering buying a new car or refinancing an existing loan, look no further than our Auto Loans & Vehicle Financing services. We offer competitive rates and flexible terms to make your vehicle purchase as smooth as possible. For those eyeing their dream home, our Mortgage Loans & Refinancing options can help turn that dream into reality. Whether it's your first home or an investment property, we're here to support you every step of the way.

Personal Banking Made Easy

When it comes to personal banking, we understand that everyone has unique needs. That's why we provide various options for checking and savings accounts, designed to help you manage your money effectively. Need quick access to cash? Our ATM & Cash Withdrawal Services ensure you can get your funds whenever you need them. Plus, with our Online & Mobile Banking features, you can handle your banking on the go, making it easy to keep track of your finances right from your smartphone.

Rewarding Credit Options

Our credit card offerings come with rewards that fit your lifestyle. Whether you're looking for cash back on everyday purchases or travel perks for your adventures, our Credit Cards with Rewards give you options to earn while spending.

Support When You Need It

Life can be unpredictable, and sometimes unexpected expenses arise. That's where our Personal Loans & Debt Consolidation services come in handy. We provide solutions that allow you to manage debt more effectively and relieve some financial pressure when needed.

Digital & Online Banking

Convenient Online Access

With our online banking services available at https://www.universityfederalcu.org/ , you can check your balances, pay bills, and transfer funds quickly and securely. Plus, our 24/7 online banking ensures that you're always connected to your money when you need it most. You'll appreciate the peace of mind knowing that your financial information is protected with top-notch security measures.

Real-Time Account Management

With these digital tools, managing your finances has never been easier. You can stay updated in real-time about your account activity and make informed decisions on the fly. This level of accessibility means that whether you're paying bills from home or transferring funds while out with friends, you have control over your finances whenever and wherever you need it. In short, at University, we're committed to providing you with user-friendly banking solutions that fit seamlessly into your lifestyle. Experience the ease of digital banking today!

Smart Features for Modern Banking

Need to sign a document? Our electronic signature authorization feature allows you to complete transactions without ever needing to visit a branch. No more waiting in line! And if you prefer keeping track of your account statements digitally, e-statements are readily available for your convenience. For those who love using their smartphones, our mobile application lets you manage your accounts right from the palm of your hand. You can even make mobile payments easily, making shopping quicker and hassle-free. If you need to send money to friends or family, our person-to-person transfer service makes it straightforward just a few taps on your phone and you're done!

Financial Strength

Commitment to Growth

Our dedication to reinvesting in our community is reflected in our $5,642,121 in undivided earnings. This means we continually enhance banking tools and lending options to serve you better. With $512 in used auto loans and $27,421,136 in total loans and leases available, our lending capacity supports your financial goals across various sectors. Our operational efficiency is highlighted by our $0, which allows us to keep offering competitive loan rates and solid financial products for all members. We take pride in having 8 full-time employees and 1 part-time employees ready to assist you whenever needed.

Member Savings and Investments

Members' savings are secured through $6,446,668 in share certificates, offering stable and rewarding financial growth opportunities. Although we do not have money market shares at this time, our focus remains on maximizing your savings potential with other products. Unlike traditional banks, we prioritize our members. With non-member deposits currently at $0, our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Member Trust

We value the trust placed in us by our growing membership base. Currently, we proudly manage a total of 7,326 share accounts, reinforcing the strength of our community-focused approach. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, University is your trusted partner. Visit us at 1575 17Th Ave S Grand Forks Nd 58201 or call (701) 775-3738 to learn more about how we can help you achieve your financial goals.

Strong Financial Health

With a net worth of $5,666,241, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,259 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 $7,088,031 in used vehicle loans and $2,791,489 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, our dedicated team is here to guide you through the process and find the right fit for your budget.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,083,707 in loans helping members manage their finances effectively. Our credit cards come with various features designed to make your banking experience smoother.

Credit Lines

For those who need access to extra funds for various purposes, we provide credit lines totaling $550,000. This option can give you peace of mind knowing that additional cash is available when needed. At University, we prioritize making the loan process as straightforward as possible. If you're considering refinancing any existing loans or want more information about eligibility options, please reach out to us at (701) 775-3738. Our team is ready to assist you during our operating hours from Monday to Friday, 8:30 AM - 6:00 PM. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to visit us at 1575 17Th Ave S Grand Forks Nd 58201, located in Grand Forks, ND, where we can help you take the next step toward achieving your financial aspirations.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,513,819, make buying or refinancing simple. We offer competitive rates and flexible terms that can be tailored to meet your needs.

Loan Aggregator

Benefits of Using LendMesh

LendMesh stands out for several reasons: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights the effectiveness and reliability of the platform. Take control of your financial future today. Compare real-time loan offers 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.

How LendMesh Ensures Accurate Loan 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 means that you can trust the information provided, knowing it comes from legitimate financial entities. Each loan offer is carefully vetted to ensure fair and transparent offers for all users.

UNIVERSITY FEDERAL CREDIT UNION