What are the current interest rates at Dakota West Credit Union?

Current rates for Dakota West Credit Union include: 12-Month CD: 2.80%, 18-Month CD: 2.75%, 24-Month CD: 2.85%, 60-Month CD: 3.20%, Savings: 1.25%

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Dakota West Credit Union

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Dakota West Credit Union Rates & Review October 2026

Q: How many branches does Dakota West Credit Union operate?

Dakota West Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Dakota West Credit Union?

Yes, to access services at Dakota West Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dakota West Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Dakota West Credit Union's top rates as of October 9, 2026 are 3.85% APY on its 13 Month CD Specials, 1.25% APY on savings, and 0.20% APY on checking, according to rates verified by MonitorBankRates. Other Dakota West Credit Union CD rates include 13-Month CD Special at 3.85%, 5 Month CD Specials at 3.65%, and 5-Month CD Special at 3.65%. MonitorBankRates evaluates the financial stability of Dakota West Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.63%. Rates last updated and verified on 10/09/2026.

Dakota West Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Dakota West Credit Union? Share your experience about Dakota West Credit Union by leaving a review below, or read customer reviews before you decide to use Dakota West Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.63%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Dakota West Credit Union
Dakota West Credit Union

340 N MAIN ST
Watford City, ND 58854

https://www.dakotawestcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Dakota West Credit Union CD Rates

Product	Rate	APY	Term
13 Month Certificate Specials	3.85%	3.85%	13 Months
Min Balance $2,500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40% Sep 29, 20263.85%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
13-Month CD Special	3.85%	3.85%	13-month
Min Deposit $2,500 Details At maturity, the CD will renew into an 12-month CD at the current prevailing rate. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
5 Month Certificate Specials	3.65%	3.65%	5 Months
Min Balance $2,500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Sep 29, 20263.65%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
5-Month CD Special	3.65%	3.65%	5-month
Min Deposit $2,500 Details At maturity, the CD will renew in a 6-month CD at the current prevailing rate. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
11 Month Teen Add-On Certificate	3.40%	3.40%	11 Months
Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
29 Month Teen Add-On Certificate	3.20%	3.20%	29 Months
Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
60 Month Certificate	3.20%	3.20%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
60 Month IRA Certificate	3.20%	3.20%	60 Months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
48 Month Certificate	3.05%	3.05%	48 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
36 Month Certificate	3.00%	3.00%	36 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
36 Month IRA Certificate	3.00%	3.00%	36 Months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
6 Month Certificate	3.00%	3.00%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
30 Month Certificate	2.95%	2.95%	30 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
24 Month Certificate	2.85%	2.85%	24 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
12 Month Certificate	2.80%	2.80%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
18 Month Certificate	2.75%	2.75%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
18 Month IRA Certificate	2.75%	2.75%	18 Months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
3 Month Certificate	1.50%	1.50%	3 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%

Dakota West Credit Union Savings Rates

Product	Rate	APY
IRA Savings	1.25%	1.25%
Min Balance $50 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
Badlands Gold Savings	0.75%	0.75%
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
Badlands Gold Savings	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000 - $74,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
Badlands Gold Savings	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
Badlands Savings	0.15%	0.15%
Min Balance $50 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
Christmas Club	0.15%	0.15%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%

Dakota West Credit Union Checking Rates

Product	Rate	APY	View More
Badlands Gold Checking	0.20%	0.20%
Min Balance $2,500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%

Dakota West Credit Union Other Rates

Product	Rate	Points	APY/APR
Kasasa Cash Checking	4.89%	-	5.00%
Min Balance $0 Details Balance: $0.01 - $25000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
Kasasa Cash Checking	0.15%	-	0.15%
Min Balance $25,000 Details Balance: $25000.01 + Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
Kasasa Cash Checking	-	-	5.00%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Refunds on ATM Withdrawal Fees, Nationwide; Free Mastercard Debit Card; No Monthly Maintenance Fee; Premium Overdraft Protection Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
Pee Wee	0.15%	-	0.15%
Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Dakota West Credit Union’s Texas Ratio rose from 1.96% in Q3 2023 to 10.63% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$327M	10.63%	5.0	A
March 31, 2026	$339M	14.35%	5.0	A-
December 31, 2025	$336M	9.75%	5.0	A
September 30, 2025	$335M	9.93%	5.0	A
June 30, 2025	$327M	18.19%	4.7	B+
March 31, 2025	$340M	18.74%	4.7	B+
December 31, 2024	$326M	3.23%	5.0	A+
September 30, 2024	$319M	1.67%	5.0	A+
June 30, 2024	$312M	7.76%	5.0	A
March 31, 2024	$311M	5.79%	5.0	A+
December 31, 2023	$307M	2.27%	5.0	A+
September 30, 2023	$302M	1.96%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Dakota West Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Dakota West Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Dakota West Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Dakota West Credit Union

Website https://www.dakotawestcu.com

Address 340 N MAIN ST, Watford City, ND 58854

Phone 701-444-6484

Fax 701-444-3829

President Andrew Fisher

CEO Jeff Reiter

Full-Time Employees 54

Part-Time Employees 1

Branch Locations 8

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.63%

Return on Assets (ROA)

0.5459%

Return on Equity (ROE)

3.8529%

Non-Performing Loans Ratio (NPL)

3.14%

Total Assets

326,536,979

Total Amount of Shares and Deposits

282,774,858

Total Shares and Deposits < 1 Year

241,711,004

Total Shares and Deposits 1 3 Years

31,572,296

Total Shares and Deposits > 3 Years

9,491,557

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

78,410,298

Total Uninsured Shares and Deposits > $250K (F+J)

78,410,298

Total Insured Shares and Deposits > $250K (item 17 less item K)

204,364,560

Total Interest Expense (Sum of items 6 8)

1,880,226

Share Certificates

1,202

Number of Accounts for Share Drafts

5,567

IRA KEOGH Accounts

195

Number of Accounts for Regular Shares

7,782

Net Income (unless the amount is already included in Undivided Earnings)

1,782,578

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

30,303,165

Total Liabilities

285,607,023

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Dakota West Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Dakota West Credit Union

How many branches does Dakota West Credit Union operate?

Dakota West Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Dakota West Credit Union?

Yes, to access services at Dakota West Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Dakota West Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dakota West Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Dakota West Credit Union offer online and mobile banking?

Most modern institutions like Dakota West Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dakotawestcu.com.