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iAdvertiser Disclosure
Advertiser Disclosure
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 Dakota West Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Dakota West Credit Union's Teen Add-On CDs 11 month rates are at 3.40%, 60 month CDs rates are at 3.20%, IRA CDs 60 month rates are at 3.20%, Teen Add-On CDs 29 month rates are at 3.20%, 48 month CDs rates are at 3.05%. Dakota West Credit Union's savings rates are at 0.15%. 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 10.58%. Rates were last updated on 04/19/2026. 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. Dakota West Credit Union
Dakota West Credit Union 340 N MAIN ST
https://www.dakotawestcu.com Watford City, ND 58854 
Dakota West Credit Union CD Rates
Dakota West Credit Union Savings Rates
Dakota West Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates 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
51
Part-Time Employees
1
Branch Locations
8
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.58%
Return on Assets (ROA)
0.3046%
Return on Equity (ROE)
2.3215%
Non-Performing Loans Ratio (NPL)
2.71%
Total Assets
335,016,044
Total Amount of Shares and Deposits
292,484,676
Total Shares and Deposits < 1 Year
232,240,531
Total Shares and Deposits 1 3 Years
50,179,711
Total Shares and Deposits > 3 Years
10,064,433
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
95,938,872
Total Uninsured Shares and Deposits > $250K (F+J)
95,938,872
Total Insured Shares and Deposits > $250K (item 17 less item K)
196,545,804
Total Interest Expense (Sum of items 6 8)
2,616,175
Share Certificates
1,206
Number of Accounts for Share Drafts
5,510
IRA KEOGH Accounts
200
Number of Accounts for Regular Shares
7,690
Net Income (unless the amount is already included in Undivided Earnings)
1,020,344
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
33,216,811
Total Liabilities
295,750,029
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Dakota West Credit UnionIs Dakota West Credit Union a safe place to deposit money?Yes, Dakota West Credit Union is considered a safe financial institution. With a Texas Ratio of 10.582611416599%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Dakota West Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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