Credit union · NCUA insured
University Federal Credit Union
A $45.2M credit union headquartered in Grand Forks, ND, with 3,626 members and 2 branches in North Dakota. Best rates: CDs 3.50% and savings 0.80% APY.
University Federal Credit Union Carrot Score
71
Carrot Score
Higher than 28% of U.S. banks and credit unions
#12 of 15 in Grand Forks, ND-MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About University Federal Credit Union
Chartered in 1937, University Federal Credit Union is a member-owned institution.
The credit union exclusively serves the University of North Dakota community, founded originally to serve UND faculty and staff.
- Headquarters
- 1575 17th Ave S, Grand Forks, ND 58201
- NCUA charter
- 1904
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Faculty and staff of the University of North Dakota are eligible for membership.
- Students of the University of North Dakota are eligible for membership.
Cost to join
- Establish membership with a $25 deposit.
Branches
2 branches in North Dakota
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North Dakota
2 branches
- Branch OfcMain office1575 17th Ave S, Grand Forks, ND 58201Directions
- Campus Office2600 Red Jarrett Way, Suite 1D, Grand Forks, ND 58203Directions
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 | 14.44% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.72% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.17% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $66 | $59 | — |
- CapitalNet worth ratio14.44%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.72%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.17%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$66Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 University Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.