AREA COMMUNITY is an NCUA-insured credit union located in GRAND FORKS, ND. New auto loan rates from 6.50% APR. Google rating: 4.3 out of 5 from 16 reviews.

Area Community

2800 S WASHINGTON ST, Grand Forks, ND 58201

NCUA Insured4.3 (16 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1964

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Grand Forks, ND may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1964

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

2800 S WASHINGTON ST

Grand Forks, ND 58201

Google Maps 🗺Waze

(701) 772-2690

Service Area

This credit union is located in Grand Forks and serves members in the ND area. Currently serving 1,895 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

6.50%

Used Auto Loan

8.25%

Personal Loan

14.85%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in ND

Lowest rates currently reported by credit unions in ND (NCUA Q1 2026).

Affinity First— New Auto Loan

Minot, ND

1.95%

Town and Country— Used Auto Loan

Minot, ND

4.23%

Dakota West— Personal Loan

Watford City, ND

3.49%

Dakota West— Credit Card APR

Watford City, ND

6.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Compare Rates in Grand Forks

See how AREA COMMUNITY stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Grand Forks →Best Personal Loan Rates in Grand Forks →Best Credit Card Rates in Grand Forks →All Credit Unions in Grand Forks →

Member Reviews

4.3

16 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Terry Miracle

7 years ago

My go-to credit union. Friendly and professional staff; Very easy to work with! Interest rates have been extremely reasonable over the few years that I've utilized this branch. I can always expect the needed visits to be short and simple. Will continue to do business with.

Jorjan Marynik

6 years ago

We have been with this credit union for years and have always been extremely satisfied with their commitment to great service and friendliness. Love going to a bank that knows you by name and not an account number!

Nita Regmi

2 years ago

The services are so bad not to mention the online banking sucks, also it doesn’t even let you use your own freaking money it needs an authorization from the bank.

Concerned Citizen

2 years ago

Online banking shutdown for over a week! NO Saturday service! NO Fraudline service! How can you operate without these services?? Put your money elsewhere!