Williston - Dickinson - Hebron
North Dakota
1-800-584-9220
More Locations & Hours 

Loans

Vehicle, RV and Boat Loans

Save Big Money with a credit union loan!

  • Loanliner
  • Fixed loan rates are available.
  • Program applies to purchases and refinances from another financial institution or finance company.
  • Easy application process.
  • No origination fee.
  • No prepayment penalty.
  • Fill out your loan application on-line.

Agricultural Loans

Great rates and personal service for farmers and ranchers.

  • Lines of credit and loans at competitive rates are available for operating expenses, cattle, equipment and real estate purchases and expenses.
  • Loan officers provide ongoing financial analysis and on-the-farm visits for convenience.
  • The credit union offers low rates and flexible terms.
  • Ag loans are risk-rated.

Home Equity Loans

Check this out!

  • Borrow for home improvements, college tuition or starting a business.
  • No closing costs under normal circumstances 
  • Borrow at a fixed or variable rate.
  • Consult a tax adviser regarding the deductibility of interest.
  • Borrow up to 90% of property value.

Home Equity Line of Credit

Members use the equity in their home to establish a revolving line of credit!

  • Ideal for large purchases--autos, RV's 
  • Borrow up to 90% of property value at a variable interest rate.
  • Initial line of credit advance is $2,000 minimum, thereafter, $200 minimum.
  • Available on first or second mortgage only.
  • Consult a tax adviser regarding the deductibility of interest.
  • No closing costs under normal circumstances

Pledge of Savings Loan

Low cost financing! An alternative to traditional loan programs!

  • Member uses already established savings to secure the loan
  • Loan interest rate is set at a certain percentage over the current savings rate:
Loan Amount Percentage over savings rate
$10,000 + 2%
$300 - $9,999.99 3%

Checking Reserve

Eliminate overdrafts with a line of credit loan!

  • Once the loan is established, it provides immediate access to funds if overdrafts occur.
  • Line of credit that transfers funds, in $100 increments, to checking account to cover overdrafts. Payments are $100/month.

Payment Protection for loans

Protect your credit union loans and your peace of mind with credit life and credit disability insurance!

  • Insurance covers $50,000 loan maximum.
  • Pays $850/month disability (maximum).
  • Maximum term, 120 months for credit disability. Maximum term, 240 months for credit life.
  • Maximum age for disability is 66-years-old. Maximum age for life is 70-years-old.
  • Reasonably priced coverage is calculated and added monthly to the loan principal.

Mechanical Breakdown Insurance

This program is brought to you by InterContinental Warranty Services (IWS).

  • They offer a variety of comprehensive and flexible vehicle warranty programs.
  • The program is insured by one of the world's leading and financially strong reinsurers rated "A" by A.M. Best Co., Inc.

Ask a loan officer for details.

Guaranteed Asset Protection (GAP)                                                              

This program is brought to you by InterContinental Warranty Service (IWS)

  • GAP is the difference between the principal balance on your auto loan or payoff amount and the actual cash value of your vehicle
  • GAP pays the outstanding principal balance on your auto loan in the event of theft or total loss
  • GAP is available for a nominal cost and may be purchased within 30 days of your vehicle purchase date

Ask a loan officer for details.