Dakota West

PO BOX 1496, Watford City, ND 58854

NCUA Insured3.8 (23 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1941

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 Watford City, 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

2 charter

Established in 1941

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

PO BOX 1496

Watford City, ND 58854

Google Maps 🗺Waze

(701) 444-6484

Service Area

This credit union is located in Watford City and serves members in the ND area. Currently serving 7,199 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

4.75%

Used Auto Loan

4.69%

Personal Loan

3.49%

Credit Card APR

6.90%

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 LoanThis CU

Watford City, ND

4.69%

Dakota West— Personal LoanThis CU

Watford City, ND

3.49%

Dakota West— Credit Card APRThis CU

Watford City, ND

6.90%

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

Branches & Locations(8 total)

Member Reviews

3.8

23 Google reviews

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

View on Google Maps

Kris Celander

4 months ago

Great people to work with always friendly and welcoming. Steph always treats us like family. Highly recommend!

Andy Hathaway

5 months ago

If you apply for a loan be prepared for them to share your personal financial information with anyone they choose no matter if you want them or not. Then they’ll come up with some BS story as to why and the person who shares it gets a slap on the wrist.

Paige Thornton

3 years ago

The staff is not only amazing but so are the services offered! The employees are well learned in what's available and can help fit you with a perfect account! Did I mention they have "pee wee" accounts? I am enthused to bank here and never dread going in!

Paulette Estvold

7 years ago

1-24-2019 I had a credit card issue - I called Dakota West and got Sandy after one click! She promptly fixed my mistake and as always , very cheerful. I feel so self assured with her on your staff - have known her since she first joined the credit union when the staff was small. She has always been an outstanding representation of the banking business with neighborhood friendliness.

Mr, Arikara

2 years ago

This institution will screw you. Keep cash always with you do not leave all your money in this bank because when they go home THERE GONE!!! you sleeping outside like a bum because can't access your property