Area Community Credit Union


2800 S Washington St
Grand Forks, ND 58201
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Notable Rates APY Vs.Others
Savings 0.26% 1.65% →
1-Year CD 0.65% 2.02% →
2-Year CD 0.85% 3.00% →
5-Year CD 1.15% 3.35% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Area Community is an NCUA insured institution located in Grand Forks, ND. It was founded in 1964 and has approximately $27.12 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 64294
Date Established 1964
Assets $27.12 million
Loans $18.23 million
Deposits $22.26 million
Capital $4.81 million

Deposit Rates - June 28, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.26% $2,500 $4,999 Learn More
Money Market
0.21% $2,500 $2,999 Learn More
Money Market
0.34% $10,000 $14,999 Learn More
Money Market
0.42% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.85% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.95% $100,000 $199,999 Learn More
48 Mo CD
0.95% $10,000 $14,999 Learn More
48 Mo CD
1.05% $100,000 $199,999 Learn More
60 Mo CD
1.05% $10,000 $14,999 Learn More
60 Mo CD
1.15% $100,000 $199,999 Learn More

Loan Rates - June 28, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for AREA COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 413-0477
5.483% 5.375% 0.75 $3,012 $1,400 Learn More
First Internet Bank
NMLS ID: 424182
5.574% 5.500% 0.88 $2,058 $1,420 Learn More

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Below are Area Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Area Community Locations

Climate Initiatives

AREA COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Area Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Area Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Area Community U.S. Average
9.94% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, Area Community had $509,391 in non-current loans and $875 in owned assets. To cover these potential losses it had $4,805,002 in net worth and $329,210 in loans loss reserves. That gives it a Texas Ratio of 9.94%.

Net Worth
Area Community U.S. Average
17.71% 12.36%

Area Community FCU has a net worth of 17.71% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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