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Tel-U-Watt

P. O. BOX 3070, Minot, ND 58702
NCUA Insured4.7 (102 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1935

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

Location & Directions

Address

P. O. BOX 3070

Minot, ND 58702

Service Area

This credit union is located in Minot and serves members in the ND area. Currently serving 345 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

5.00%

Used Auto Loan

6.00%

Personal Loan

18.00%

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).

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

Branches & Locations(1 total)

Member Reviews

4.7

102 Google reviews

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

View on Google Maps
Matt Tempest

Matt Tempest

8 months ago

We worked with Brett Fiddler at Town & Country Credit Union for our home loan, and the experience was fantastic from start to finish. Brett got us a great quote right away and made the whole process simple and stress-free. He kept an eye on the market and went above and beyond to find us an even better deal and ultimately locking us in at a lower rate! Brett was personable, friendly, and always quick to respond to our questions. We really appreciated his professionalism and dedication to getting us the best possible rate. Highly recommend working with Brett if you’re looking for a loan officer who truly has your best interests in mind!

Richard North

Richard North

4 months ago

As a pastor of a small, local congregation, it is a real blessing to me, my wife, and our people to trust our LORD's finances with Town & Country Credit Union. We have been doing business with this excellent institution for many years, always with more than favourable results. The friendly, professional, competent, and knowledgeable team there, from the tellers to the account specialists, are all first-class and excellent. Recently, my wife & I were completing a business function with Shona, an account specialist at TCCU, and not only did she handle the performance of her duties in an exemplary manner, but she answered all of our questions, then went Above & Beyond our expectations to seek out further information for us & our church. Working together with Cathy, another outstanding specialist there, both Shona & Cathy were able to not only educate and assist us with various options, but also bring forth and implement the correct solution which best suited our current situation. We wish to Thank Shona, Cathy, and the Great team @ TCCU, and would whole-heartedly recommend this wonderful, local credit union to everyone within our community! 02/02/2026 - This afternoon I had another situation successfully solved by account specialist Shauna at Town & Country! Without an appointment (Thank you again Shauna for taking the time “on the spot” out of your other tasks!), I walked in and requested some advice/assistance concerning a company repeatedly attempting to charge our debit card for services refused last year. Shauna gave no-nonsense excellent counsel, then took the time to rectify the situation immediately by deactivating our current debit card and creating & issuing our church a brand new one. Lesson learned, and once again, Outstanding, Professional, and Above & Beyond service from Account Specialist Shauna! Thanks to you, and Town & Country Credit Union! Pastor Richard L. North.

Jeremy Kreibich

Jeremy Kreibich

3 months ago

First time home buyer and Lisa was amazing. She took the time to clearly explain the process and answer all my questions. Highly recommend her for anyone looking to buy.

Dylan Warbitsky

Dylan Warbitsky

6 months ago

I am a new car buyer, working with Amber Mohammed. I didn't know how the car buying process worked at all, (still foggy🤣) from getting the loan to working with the dealership. But she was so helpful and understanding of my situation, whenever I had a question I got an answer in a way I could understand, and she would always answer the phone if I needed help. I very much recommend amber! (And thx again amber if you some how see this)

Sha Anderson

Sha Anderson

4 months ago

It's always a joy to interact with Ms Shawna. She was very patient in helping my mother complete her extensive list of tasks. She's fun, knowledgeable, and personable and all while remaining professional. That's quite the feat!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).