Town & Country Credit Union

What Town & Country Credit Union does

Town & Country Credit Union is a member-owned financial cooperative founded in 1939 and headquartered in Minot, North Dakota, operating 11 physical branches across North Dakota (Fargo, West Fargo, Minot, Kenmare, Stanley) and Moorhead, Minnesota, with on-site locations inside Trinity Health Hospital and Sanford Medical Center. The institution serves individual consumers, small and mid-sized businesses, farmers and ranchers, nonprofit organizations, medical and dental professionals, Trinity Health employees, and first-time/youth banking customers within a field-of-membership extending 75 miles from Minot and 50 miles from Fargo or Kenmare.

The credit union's product portfolio is built on a platform-plus-modules architecture: core deposit products (Star Rewards Checking, Free Checking, Money Market, CDs, Share Savings, Youth/Teen Savings, HSA, IRA) and core lending products (Visa Signature/Classic/Student credit cards, auto loans including a First Car Loan, recreational vehicle loans, personal loans, HELOC and home equity loans, Conventional/FHA/VA/USDA mortgages, Medical and Dental Mortgage, and Minot Resilient Homebuyer Program) are delivered through TCCU Online web banking and a mobile app supporting mobile deposit, Zelle, real-time alerts, eStatements, and shared access. Business members receive treasury services (ACH origination, Positive Pay, remote deposit) with QuickBooks/Quicken and Autobooks integrations, while consumer convenience is enabled through Apple Pay, Google Pay, Samsung Pay, and Garmin Pay tokenization, plus nearly 40,000 surcharge-free ATMs via the MoneyPass network. Insurance products (farm, crop, personal, commercial, health, life, Medicare) are cross-sold through the wholly-owned Town & Country Insurance Agency, LLC.

Revenue is generated primarily through net interest income on loans (auto, mortgage, ag, commercial, consumer) and secondarily through deposit spread, interchange and card fees, service charges, and affiliate referral income from the insurance agency. Distribution is omnichannel: 11 branches, a contact center, digital self-serve applications, and embedded hospital branches. Member differentiation is built on cooperative ownership (NCUA-insured deposits up to $250,000), in-house loan servicing, specialized ag and commercial lending teams, and visible community reinvestment (4,786+ volunteer hours and $200,785 donated in 2025).

Name

Town & Country Credit Union

Legal name

Town & Country Credit Union

Website

https://townandcountry.org

Company type

Private

Founded year

1939

Operating status

Operating

Headcount range

51–100 employees

Short description

Town & Country Credit Union is a member-owned financial cooperative founded in 1939, operating 11 branches across North Dakota and Minnesota. It serves consumers, farmers, small businesses, and medical professionals with deposits, lending, mortgages, credit cards, and affiliated insurance products.

Ownership category

akta.pro rank

Product category

Credit Union Banking

NAICS

Credit Unions (52213), Credit Unions (522130), Credit Card Issuing (522210), Commercial Banking (52211)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Retail banking services
• Consumer lending
• Commercial lending
• Agricultural lending
• Mortgage services

Headquarters

HQ city

Fargo

HQ country

United States

HQ region

North America

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Loans: The primary revenue stream comes from interest charged on loans including auto loans, mortgages, personal loans, business loans, and agricultural loans. Rates vary by product type and creditworthiness, with examples including auto loans from 3.99% APR and Visa Signature at 9.9% APR.
2. Deposit Interest: Interest paid to members on deposit accounts including checking, savings, money markets, CDs, and IRAs. Competitive APYs offered with Star Rewards Checking providing up to 3% APY on balances up to $20,000.
3. Fee Income: Various fees including credit card fees (annual fee for foreign purchases, balance transfer fees, cash advance fees, late payment fees), ATM fees, and other service charges.
4. Credit Card Revenue: Revenue from credit card interchange fees on purchases, annual fees (though no annual fee is standard), and cash advance/balance transfer fees.
5. Insurance Products (Through Affiliated Agency): Revenue from referral arrangements and partnerships with Town & Country Insurance Agency for insurance products including farm, crop, personal lines, commercial, health, life, and Medicare insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels9 records

Core offering

Town & Country Credit Union is a member-owned financial cooperative that provides consumer banking, small business banking, agricultural lending, and mortgage products. Core offerings include checking and savings accounts (including youth, teen, HSA, and IRA variants), certificates of deposit, Visa credit cards, auto/personal/RV/boat loans, home mortgages, home equity lines of credit, business loans and treasury services, agricultural operating and real estate loans, and insurance through the Town & Country Insurance Agency.

Product overview

Town & Country Credit Union is a member-owned financial cooperative offering a comprehensive suite of banking products and services across North Dakota and Minnesota. The credit union operates on a platform-plus-modules architecture centered around core deposit accounts (checking, savings, CDs, money markets) and lending products (auto loans, mortgages, personal loans, business/agriculture loans). Digital banking is delivered through TCCU Online and mobile applications with services including mobile deposit, Zelle, account alerts, and shared access. The product portfolio includes specialized sub-brands like Star Rewards Checking (high-yield rewards checking), First Car Loan (youth-focused auto financing), Medical and Dental Mortgage Program (professional-specific home loans), and Minot Resilient Homebuyer Program (flood recovery assistance). Insurance products are offered through the affiliated Town & Country Insurance Agency. The credit union also supports business operations with treasury services, QuickBooks/Quicken integration, and Autobooks, while consumer convenience is enhanced through mobile wallet support (Apple Pay, Google Pay, Samsung Pay, Garmin Pay) and the MoneyPass ATM network.

Differentiator

Problem solved

Functional benefit

Brands

• Star Rewards Checking: A rewards checking account program offering up to 3% APY or 3% cash back on debit card purchases
• First Car Loan
• EZ2 Save
• Youth & Teen Savings Accounts
• Medical and Dental Mortgage Program
• Minot Resilient Homebuyer Program

Products and services

• Personal Checking Accounts
• Personal Savings Accounts
• Certificates of Deposit (CDs)
• Visa Credit Cards
• Auto and Vehicle Loans
• Personal Loans
• Mortgage Loans
• Home Equity Lines of Credit (HELOC)
• Business Loans
• Agricultural Loans
• Business Banking and Treasury Services
• Town & Country Insurance Agency
• TCCU Online and Mobile Banking

Quantifiable outcome

• 4,786+ volunteer hours invested in communities in 2025
• +3 more outcomes

Named customers4 records

Segments8 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature8 records

Partnerships

Eight partnerships are on record, tiered core.

• Trinity HealthcoreStrategic or Co-development PartnerOn-site credit union branch located inside Trinity Health Hospital main lobby, serving Trinity employees, patients, and families. Special Trinity Health employee mortgage discount of $750 off closing costs on primary residential mortgages. Trinity Employee Benefits banking services for hospital staff.
• MoneyPass ATM NetworkcoreTechnology or IntegrationPartnership providing Town & Country Credit Union members access to nearly 40,000 surcharge-free ATMs nationwide through the MoneyPass network.
• VisacoreTechnology or IntegrationCredit card and debit card issuing partnership providing Visa Signature, Visa Classic, and Visa Classic Student credit cards plus debit card services including contactless payments, Visa Account Updater (VAU), Zero Liability protection, and 24/7 roadside dispatch.
• ZellecoreTechnology or IntegrationIntegration for real-time peer-to-peer payment services allowing members to send and receive money directly through the TCCU Online and mobile app.
• CDM SmithcoreStrategic or Co-development PartnerManages the Minot Disaster Recovery Office for the Minot Resilient Homebuyer Program. Homebuyers displaced by the 2011 Minot flood contact CDM Smith to fill out homebuyer profiles and determine eligibility for the program providing up to $60,000 in assistance.
• North Dakota Housing Finance Agency (NDHFA)coreStrategic or Co-development PartnerPartnership for the Minot Resilient Homebuyer Program providing up to $60,000 in down payment assistance for eligible low and moderate-income homebuyers purchasing homes in qualified resilient neighborhoods outside the new FEMA flood plain.
• City of MinotcoreStrategic or Co-development PartnerPartnership with City of Minot for the Resilient Homebuyer Program, which defines qualified resilient neighborhoods for homebuyers displaced by the 2011 flood control project.
• Town & Country Insurance AgencycoreChannel Partner/ Reseller/ DistributorAffiliated independent insurance agency with offices at Town & Country locations, offering farm, crop, personal, commercial, health, life, and Medicare insurance products. Referrals between credit union and insurance agency for bundled financial services.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Emerging players

• Connexus Credit Union: Connexus Credit Union is a digital-forward national credit union that competes with TCCU indirectly for digitally-engaged members via higher-yield checking and nationwide membership. While not physically present in TCCU's core territory, it competes for digital banking members and benchmarks competitive pressure on deposit pricing.

Direct peers

• First International Bank & Trust: First International Bank & Trust is a family-owned community bank with deep presence across North Dakota, including ag and commercial lending, consumer banking, and mortgages. Its footprint in Minot and surrounding rural markets puts it in direct competition with TCCU for the same ag producers, small businesses, and consumer households.
• Starion Bank: Starion Bank (a division of HTLF/H Heartland Financial) is a regional commercial bank with branches throughout North Dakota including the Minot area. It competes directly with TCCU for ag lending, small business, mortgage, and consumer banking customers in the same regional footprint.
• Gate City Bank: Gate City Bank is a mutual community bank headquartered in Fargo, ND, with comparable regional footprint across North Dakota and northwestern Minnesota. It competes directly with TCCU in consumer, mortgage, ag, and small business banking across overlapping geographies including Fargo, Minot-adjacent markets, and Moorhead.
• Bell Bank: Bell Bank is one of the largest privately held banks in the upper Midwest with offices throughout North Dakota and Minnesota. It competes with TCCU across consumer, mortgage, business, and ag lending in shared geographies (Fargo, Moorhead) and offers similar relationship-driven community banking models.
• Cornerstone Bank: Cornerstone Bank is a community bank with locations across North Dakota and western Minnesota. It serves consumers, ag producers, and small businesses in markets that overlap with TCCU's territory, particularly in rural North Dakota communities, and competes on similar community banking and ag lending value propositions.
• SchoolsFirst Federal Credit Union: SchoolsFirst Federal Credit Union is a large community-charter credit union operating on a member-owned, mission-driven model similar to TCCU. While much larger, it is structurally comparable as a community credit union offering consumer loans, mortgages, auto lending, and youth/financial literacy programs.
• Capital Credit Union: Capital Credit Union is a North Dakota credit union serving members across multiple North Dakota markets with consumer, mortgage, business, and ag banking. It competes with TCCU for similar member demographics and small business / ag relationships in shared geographies.
• North Star Community Credit Union: North Star Community Credit Union is a North Dakota-based credit union offering consumer, mortgage, and small business banking with a similar community-cooperative mission. As a fellow NCUA-insured CU operating in overlapping North Dakota markets, it is a structurally direct peer to TCCU.

Regional players

• Dakota Credit Union: Dakota Credit Union is a regional community credit union based in North Dakota. It serves consumer and small business members across similar geographic markets, providing overlap with TCCU's product set and competing for the same household banking relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Town-Country-Credit-Union-221741525322040

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Town & Country Credit Union