Credit union · NCUA insured
Aspire Credit Union
Top CarrotA $180.9M credit union headquartered in Minot, ND, with 6,301 members and 1 branch in North Dakota. Best rates: CDs 4.35% and savings 0.50% APY.
Aspire Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 11 in Minot, ND metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Aspire Credit Union
Originally chartered by the NCUA in 1937 as Great Northern Employees Minot Credit Union, Aspire Community Federal Credit Union was renamed Tran Em Federal Credit Union in 1970.
Known as Prairie Federal Credit Union from 1986, the Minot, North Dakota-based institution adopted its current name in 2020 after moving to South Broadway in 1989.
The member-owned cooperative serves individuals and organizations located across six North Dakota counties, including Bottineau, McHenry, McLean, Mountrail, Renville, and Ward.
- Headquarters
- 1430 S Broadway, Minot, ND 58701-5933
- NCUA charter
- 1888
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Bottineau, McHenry, McLean, Mountrail, Renville, or Ward counties of North Dakota, as well as businesses, other legal entities, and organizations of such persons located there, are eligible for membership.
Family and household
- Immediate family members or household members of existing credit union members are eligible for membership.
Branches
1 branch in North Dakota
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North Dakota
1 branch
- Main OfficeMain office1430 S Broadway, Minot, ND 58701Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.59% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.41% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.58% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $97 | $76 | — |
- CapitalNet worth ratio15.59%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.41%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.58%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$97Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Aspire Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.