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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Town and Country Credit Union Rates & Review November 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 and Verified: October 29, 2026
Town and Country Credit Union's 12 Month CD rates are at 4.35%, 12 Month Growth Builder CD rates are at 4.35%, 24 Month CD rates are at 4.25%, 9 Month CD rates are at 4.15%, 36 Month CD rates are at 4.00%. Town and Country Credit Union's savings rates are at 1.00%. Town and Country Credit Union's money market rates are at 1.50%. Town and Country Credit Union's checking rates are as high as 3.00%. Town and Country Credit Union's Personal Loan Rates are as low as 9.90%. Town and Country Credit Union's Credit Card Rates are at 4.90%. Town and Country Credit Union's CD rates are 37% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Town and Country Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.41%. Rates last updated and verified on 10/29/2026. Town and Country 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 Town and Country Credit Union? Share your experience about Town and Country Credit Union by leaving a review below, or read customer reviews before you decide to use Town and Country Credit Union. Town and Country Credit Union
Minot Office 615 S Broadway
https://www.townandcountry.org Minot, ND 58701-4473  Customer Reviews
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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. Town and Country Credit Union CD Rates
Town and Country Credit Union Savings Rates
Town and Country Credit Union Money Market Rates
Town and Country Credit Union Checking Rates
Town and Country Credit Union Home Equity & HELOC
Town and Country Credit Union Auto Loan Rates
Town and Country Credit Union RV, Boat and Powersport Loan Rates
Town and Country Credit Union Credit Card Rates
Town and Country Credit Union Personal Loan Rates
Town and Country Credit Union Other Rates
Financial Health HistoryTown and Country Credit Union’s Texas Ratio rose from 2.90% in Q3 2023 to 10.41% 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Town and Country 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 Town and Country 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 Town and Country Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Town and Country Credit Union
Website
https://www.townandcountry.org
Address
615 S Broadway,
Minot, ND 58701-4473
Phone
701-852-2018
Fax
701-839-5740
President
Kalvin Larson
CEO
Kalli Schell
Full-Time Employees
145
Part-Time Employees
9
Branch Locations
11
ATM Locations
7
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
10.41%
Return on Assets (ROA)
0.4647%
Return on Equity (ROE)
3.5592%
Non-Performing Loans Ratio (NPL)
1.63%
Total Assets
771,146,347
Total Amount of Shares and Deposits
665,277,386
Total Shares and Deposits < 1 Year
642,353,992
Total Shares and Deposits 1 3 Years
15,682,571
Total Shares and Deposits > 3 Years
7,240,823
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
79,367,493
Total Uninsured Shares and Deposits > $250K (F+J)
79,367,493
Total Insured Shares and Deposits > $250K (item 17 less item K)
585,909,893
Total Interest Expense (Sum of items 6 8)
5,323,331
Share Certificates
7,243
Number of Accounts for Share Drafts
19,377
IRA KEOGH Accounts
1,357
Number of Accounts for Regular Shares
23,947
All other shares
5,044
Money Market Shares
3,011
Net Income (unless the amount is already included in Undivided Earnings)
3,583,870
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)
41,063,081
Total Liabilities
670,633,098
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Town and Country Credit UnionDoes Town and Country Credit Union offer CDs?Yes. Town and Country Credit Union current CD rates include its 12 Month CD at 4.35% APY, its 12 Month Growth Builder CD at 4.35% APY and its 24 Month CD at 4.25% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Town and Country Credit Union NCUA insured?Yes. Town and Country Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Town and Country Credit Union?The highest Town and Country Credit Union CD rate is its 12 Month CD at 4.35% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Town and Country Credit Union offer?Town and Country Credit Union CD rates are 4.15% APY for a 9 month CD, 4.35% APY for a 12 month CD, 4.25% APY for a 2 year CD, 4.00% APY for a 3 year CD and 3.51% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Town and Country Credit Union for its full lineup. What is the highest savings rate at Town and Country Credit Union?The highest Town and Country Credit Union savings rate is its Health Savings Account at 1.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Town and Country Credit Union?The highest Town and Country Credit Union money market rate is its Nonprofit Money Market Account at 1.50% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Town and Country Credit Union?The highest Town and Country Credit Union checking rate is its Star Rewards Checking at 3.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Town and Country Credit Union?The lowest Town and Country Credit Union auto loan rate is its First Car Loan at 3.24% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Town and Country Credit Union?The lowest Town and Country Credit Union personal loan rate is its Visa Signature at 9.90% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Town and Country Credit Union?The lowest Town and Country Credit Union credit card APR is its Visa Classic Student Credit Card at 4.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Town and Country Credit Union operate?Town and Country 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 Town and Country Credit Union?Yes, to access services at Town and Country 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, Town and Country 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, Town and Country Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Town and Country Credit Union offer online and mobile banking?Most modern institutions like Town and Country 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.townandcountry.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Town and Country Credit Union rates compare?Town and Country Credit Union's CD rates are 37% higher than the MonitorBankRates national average, and it has an A health rating. Town and Country Credit Union's top rates are its 12 Month CD at 4.35% APY, its Health Savings Account at 1.00% APY, its Nonprofit Money Market Account at 1.50% APY, its Star Rewards Checking at 3.00% APY, its Visa Signature at 9.90% APR and its Visa Classic Student Credit Card at 4.90% APR, verified by MonitorBankRates on October 29, 2026. Current Town and Country Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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