University

1575 17th Ave S, Grand Forks, ND 58201

NCUA Insured4.6 (18 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1937

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Grand Forks, ND may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1937

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

1575 17th Ave S

Grand Forks, ND 58201

Google Maps 🗺Waze

(701) 775-3738

Service Area

This credit union is located in Grand Forks and serves members in the ND area. Currently serving 3,632 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.01%

Used Auto Loan

7.32%

Personal Loan

11.50%

Credit Card APR

11.38%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in ND

Lowest rates currently reported by credit unions in ND (NCUA Q4 2025).

Affinity First— New Auto Loan

Minot, ND

1.95%

Dakota West— Used Auto Loan

Watford City, ND

4.69%

Dakota West— Personal Loan

Watford City, ND

3.49%

Dakota West— Credit Card APR

Watford City, ND

6.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.6

18 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Nicolas Padovani

a year ago

I would like to give 5 stars for the friendly and caring staff, but it's a terrible bank. I think they used to be the top choice in the past, but it seems like this bank is stuck in time. If you're an older person, like a dinosaur, I would definitely recommend UFCU. The website and the difficulty of doing anything make it feel like you're in the '90s.

Ty Podolski

11 months ago

This is where loyalty goes to die. . . . After more than two decades as a member, I'm done. I can be treated like a number at any other bank or credit union. During the app update/ outage last month, I was charged (2) $5 penalties to access my own savings. One of which I previously scheduled before the outage. After several calls with absolutely NO return calls, I'm throwing in the towel. There are better savings interest rates to be earned out there so please, please shop around. If you're just moving to Grand Forks or getting started at UND then I strongly suggest you look elsewhere for your banking needs. If anyone at UFCU such as Sherry (who caused this problem) OR Lacey who I can only assume is Sherry's minion would like to reach out to resolve this situation then I will be most happy to remove my comment. Update. . . NO ONE has bothered to contact me about this review and the lack of service in over a year. I've stopped banking with them long ago. I have a small loan which I could pay off, but the interest is less than 2% which is the only compliment I have to give to Sherry and her minions. I tried to transfer the rest of my savings out recently. So I attempted a "test" transfer of $1 to make sure the accounts matched. I was hit with a $5 transfer fee. Sherry AND Lacey you have got to be kidding me! Is THIS how you justify your salary? Bottom line. . . a Credit Union is designed to bring the human element back to banking. This place is such a same. You could have been for the community, but you're greedy just like a bank.

Vicki Dawes

a year ago

UFCU is always there to help...Christine has helped me navigate on line banking more then once...great friendly employees, great environment and good products