United Community Credit Union University Grand Forks ND | Affordable Auto Loans & Business Banking

Introduction

Welcome to University, your trusted partner in financial services located at 2860 10Th Ave N Ste 100, Grand Forks, ND 58203. Since our establishment in 1937, we've proudly served our community with a commitment to providing personalized banking solutions tailored to meet the needs of our members. With a total membership of 3,539, we understand the importance of building relationships and trust with each individual we serve. As a member-owned credit union, we boast total assets of $44,978,149 and total deposits reaching $3,681,865. Our strong financial foundation allows us to offer competitive rates on loans and savings while ensuring your money is safe and secure. Our CEO, Lacey Fetsch, along with Board President Ryan Jundt, lead a dedicated team of 9 employees who are here to assist you every step of the way. At University, we provide a variety of services including personal banking accounts, auto loans, mortgage refinancing, business banking options, and more. With a net worth of $5,666,241 and cash in hand totaling $225,593, we are well-equipped to meet your financial needs now and in the future. While members can visit us at our branch for face-to-face service during our lobby hours from 9 AM to 5 PM (Monday through Friday), you can also access our full range of services online through our website at universityfederalcu.org. For any official correspondence that needs to be sent via mail, please use our mailing address: 1575 17th Avenue South, Grand Forks, ND 58201. Join us today as we continue to foster financial wellness within our community! Feel free to give us a call at 701-757-1047 for more information or assistance. Let's build a brighter financial future together!

Branch History & Mission

Community Engagement

Our commitment extends beyond our walls. We engage with local schools and charities through partnerships aimed at uplifting those in need. Whether it's sponsoring events or offering financial literacy workshops, we are dedicated to making a real impact in our community.

Modern Banking Solutions

In addition to traditional banking services, we've embraced modern technology by ensuring ADA compliance and implementing digital advancements that make banking easier for everyone. Members can enjoy features such as e-statements and person-to-person payments all designed with security and ease-of-use in mind. With drive-thru service available for quick transactions, we're here to meet your banking needs efficiently. Although we do not have ATM facilities on-site, our focus remains on providing excellent service through direct interaction with our staff. Join us at University and experience a credit union where you are more than just a number; you are part of a family committed to your financial success. We invite you to become a member today and discover how we can help you achieve your goals! For any inquiries or further information about our services, please call us at 701-757-1047 or visit our website at universityfederalcu.org. Let's build a brighter financial future together!

Our Mission

At University, we believe that banking should be more than just transactions; it should empower individuals and enrich lives. Our mission is to offer personal banking solutions that include checking and savings accounts, auto loans, mortgages, and credit cards with rewards all designed with the member's best interests at heart. We strive not only to provide robust financial products but also to support community initiatives that enhance the quality of life in Grand Forks. While members can visit us at 2860 10th Ave N Ste 100, official correspondence should be sent to 1575 17th Avenue South, Grand Forks, ND 58201. Our team works diligently during operating hours from Monday to Friday, 9:00 AM - 5:00 PM. If you're in need of assistance outside these hours or prefer online services, we offer features like online banking and mobile payments for your convenience.

Branch Location & Accessibility

Accessibility Features

We prioritize making banking easy for everyone. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and ample parking to ensure all members can visit us comfortably. Plus, with a drive-thru available for quick transactions like deposits and withdrawals, you can manage your banking needs without even leaving your car!

Connect With Us

Have questions or need assistance? Feel free to give us a call at 701-757-1047 or stop by our branch today! We look forward to welcoming you into our community and helping you achieve your financial goals. Come see what makes us different!

Operating Hours

Our doors are open Monday through Friday from 9:00 AM to 5:00 PM. We're here to help you during your busy days, whether you're on your way to work or running errands.

Services Offered

At University Credit Union, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our friendly staff is ready to assist you with everything from applying for a credit card with rewards to exploring business banking solutions.

Member Eligibility

At University, we believe that becoming a member is like joining a warm and welcoming family. We're excited to offer membership to anyone who lives, works, or attends school in our community. If you share our values and are looking for a supportive financial partner, you're already on the right path! For more detailed information on eligibility requirements. Once you've confirmed your eligibility, opening an account with us is a breeze! Just stop by our branch at 2860 10Th Ave N Ste 100 Grand Forks Nd 58203, or give us a call at (701) 757-1047 to get started. We can't wait to welcome you into our community and help you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services that Matter

In today's fast-paced market, efficient payment processing is key. That's why at University, we offer merchant services that simplify transactions for you and your customers. Imagine seamlessly accepting payments through various methods be it credit cards or mobile payments making it easier for your customers to do business with you while you focus on growth. With our outstanding commercial loan portfolio at $0, we continue to drive economic growth by financing new and expanding businesses right here in Grand Forks, ND. Connect with us today at 2860 10Th Ave N Ste 100 Grand Forks Nd 58203 or call us at (701) 757-1047 to discover how we can help take your business to new heights!

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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to your needs.

Comprehensive List Of Services

Accessing Cash Made Simple

While we don't have an ATM at this location, our Drive-Thru Banking makes transactions like deposits and withdrawals simple and efficient. Just pull up and let us assist you with basic banking needs without ever having to leave your vehicle. If you're interested in learning more about how we can serve you better, feel free to call us at (701) 757-1047 during our lobby hours from Monday through Friday, 9:00 AM - 5:00 PM. We invite you to explore all that University has to offer as part of the vibrant community here in Grand Forks, ND. Visit us today or check out our website at https://www.universityfederalcu.org/ for more details about our services and how we can support your financial journey!

Business Banking Made Easy

For entrepreneurs and small business owners, we offer comprehensive Business Banking solutions including merchant services and business loans. Your business is important to us, and we're here to help it thrive.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to manage your accounts from anywhere. Whether you're checking balances or transferring funds, everything can be done at your fingertips.

Credit Options for All Needs

Life can throw unexpected expenses your way. That's why we also provide Personal Loans & Debt Consolidation services to help you tackle those financial surprises head-on. With our Credit Cards with Rewards, you can earn points on everyday purchases, making each transaction work in your favor.

Personal Banking Solutions

Whether you're looking to open a new checking or savings account, our personal banking options are designed for everyone. You might be saving up for a family vacation or planning for future education; our accounts offer competitive rates and easy access to your funds. When it comes to financing your next vehicle, consider our Auto Loans & Vehicle Financing options. We understand how important it is to have reliable transportation, so we offer flexible terms that suit your budget. If you're thinking about buying a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services can guide you through the process with competitive rates and personalized support.

Digital & Online Banking

Key Services

With our online banking platform, available at https://www.universityfederalcu.org/, you can access your account 24/7. Whether you want to check your balance, transfer funds, or pay bills, everything is just a login away. Plus, our electronic signature authorization makes it simple to sign documents without needing to visit us in person. We also provide e-statements, so you can keep track of your financial activity without the clutter of paper statements. This eco-friendly option not only saves trees but also keeps your information secure and easily accessible.

Mobile Features

Our mobile application offers even more flexibility. With features like mobile payments, you can make purchases with ease right from your phone. Want to send money to friends or family? Our person-to-person transfer option allows you to do just that quickly and securely.

Security and Accessibility

Your safety is our priority. All our online services are designed with robust security measures to protect your personal information. Enjoy peace of mind knowing that your accounts are safe while you manage them on the go. With University, banking is not just about transactions; it's about making life easier for you. Join us today and experience the freedom of digital banking!

Financial Strength

Commitment to Growth

With $5,642,121 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $512 in used auto loans and a total of $27,421,136 in loans and leases.

Member-Centric Savings

Members' savings are secured through $6,446,668 in share certificates, 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 $177,661 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 8 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Foundation

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 12.59% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Trustworthy Partnership

Total Share Accounts stand at 7,326, showing a strong 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, University is your trusted partner. Visit us at 2860 10Th Ave N Ste 100 Grand Forks Nd 58203 or call (701) 757-1047 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 provide some of the lowest rates in the industry. We have already issued over $7,088,031 in used vehicle loans and $2,791,489 in new vehicle loans, enabling many members to get on the road affordably. Whether you are eyeing that brand-new model or a reliable pre-owned option, our competitive rates and flexible terms make it easy for you to secure financing that meets your budget.

Business Financing

For business owners looking for growth opportunities, we provide outstanding commercial loans totaling $0. These loans are designed to offer the capital necessary for expansion or investment into new ventures.

Credit Card Loans

Managing daily expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $3,083,707 in loans helping members effectively manage their finances, our credit cards come with rewards and benefits tailored to enhance your spending experience.

Flexible Financing Options

We know that everyone's financial situation is different. That's why we also provide refinancing options and eligibility assessments tailored specifically for you. If you're unsure about what suits your needs best, our experienced staff at University, located at 2860 10Th Ave N Ste 100 Grand Forks Nd 58203, Grand Forks, ND, is here to help. You can reach us at (701) 757-1047 during our operating hours from Monday to Friday, 9:00 AM to 5:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how our diverse loan offerings can help you navigate your financial journey today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,513,819, making buying or refinancing simple. Our knowledgeable team can guide you through the process, ensuring you find the best fit for your housing needs.

Loan Aggregator

Benefits of Using LendMesh

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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 you can trust that the offers presented are fair and transparent.

UNIVERSITY FEDERAL CREDIT UNION - Grand Forks, ND

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