A MESSAGE FROM THE Interim President/CEO
I have been with Town & Country Credit Union for 23 years and am privileged to serve in this interim role, leading our talented credit union team. While many things have changed over the years (just check out our new Trinity Health partnership or our online Credit Score service), one thing has never wavered — our credit union’s commitment to providing exceptional member service.
In 2023, Town & Country Credit Union earned a Net Promoter® Score (NPS) of 79, above the gold standard benchmark NPS for the financial service industry. We also took home the Best Credit Union title in the Fargo Forum’s Best of the Red River Valley awards, as well as Best Credit Union and Best Customer Service in the Minot Daily News Best of the Best awards this year. With accolades like this, it’s clear that we continue to live up to our commitment to exceptional member service.
I look forward to continuing this legacy of providing the best service and meaningful value to our over 27,000 members.
Thank you for choosing Town & Country Credit Union!
A MESSAGE FROM THE Board Chair
As a volunteer Board member, I have the privilege of representing our members and helping to ensure Town & Country Credit Union is fulfilling its mission of positively impacting those we serve. This Impact Report is not only a visual year-in-review; it’s evidence of all those wonderful positive impacts our credit union team has made possible.
For example, we launched our small business grant program this year, which provided funds to four member-owned small businesses that they used to create their own positive impact. We also gave back over $40,000 to our youngest members in the form of youth deposit matches and birthday promotions.
I encourage you to read this entire report to learn more about all the ways our credit union impacts our members and communities.
While this report looks back to 2023, our organization continues moving forward. I want to thank Kalli Schell for stepping into the Interim President/CEO role in February 2024 in response to the resignation of our prior President/CEO, Brad Houle. I’m confident that her depth of experience at Town & Country will serve our members well during this time.
MISSION
To Positively Impact those we serve.
VISION
Best Service
Meaningful Value
Continual Growth
VALUES
Do the Right Thing.
Operate with Integrity.
Keep it Simple.
Find a Way to Say Yes.
Make a Difference.
Trinity Health Partnership
In August, Town & Country was selected by Trinity Health to open a credit union location in their new Healthcare Campus and Medical District (HCMD) in Minot, providing patients, visitors and employees the ability to manage their financial health as they tend to their physical well-being.
The new location will open in Spring 2024. This partnership provides exclusive benefits to Trinity employees and the Trinity Health Foundation.
Trinity Health Employee Discounts:
- 1% off Consumer Loan Rates.
- $750 off Mortgage Closing Costs for primary residential mortgage purchases and refinances.
The trinity health foundation earns:
- $100 for each Trinity Health employee that joins Town & Country Credit Union.
- $100 for any existing Town & Country member hired by Trinity Health.
- $25 each year for every Trinity Health employee who has their paycheck direct deposited into their Town & Country account.
Four ATMs are now available within the Minot Trinity Health network!
- Trinity Health Hospital
- Trinity Health Medical District
- Trinity Health Medical Arts
- Trinity Homes
2023 August-December Positive Impacts
$3,000
Saved by four employees who secured a mortgage
32
Employees saved 1% APR on their auto, recreational or personal loans
$2,300
Donation for the 23 new Trinity Health employees joining Town & Country
$50,000
Partnership Kickoff Donation to Trinity Health Foundation
$1,000
Donation for the 10 existing Town & Country members hired by Trinity Health
$5,675
Donation for the 227 employees who had their paycheck direct deposited into their Town & Country account
$58,975 total 2023 Trinity Health Foundation Donation!
REWARDING OUR MEMBERS
Town & Country members earn more! Whether it be from account dividends, 1.5% unlimited cash back with a Visa Signature® credit card, 3% cash back on Star Rewards checking or ATM fee refunds — our vision is to provide meaningful value to members.
$7,480,303
Total Dividends & Interest Earned from Savings and CDs
$235,486
Earned from Star Rewards 3% Cash Back.
$286,298
Earned from Star Rewards 3% Interest
$209,468
Visa Signature® Cash Back Earned
$158,973
Visa Signature® Cash Back Redeemed
“I really appreciate the personal touch. I feel like the tellers and manager at the branch I usually do business at take the time to get to know me.” ~ Keturah N.
Youth & Teen Accounts
Financial guidance
17
Certified Financial Counselors are currently on staff, committed to helping members take control of their financial futures.
Credit Score
Credit Score is a free service within TCCU Online that allows members to view their credit score and gain insight on how to improve it
4,665
Members are using Credit Score
56%
Improved their scores
30%
Maintained their scores
“I did my auto loan with TCCU, and they had the best rates out there! KayLee Bourquin was amazing to work with.” ~ Kerry M.
MAKING HOME HAPPEN
Making home happen
“Peter Johnson has a great understanding of what he’s doing. He explained the process to me, including what I needed to do and the verifications required to secure a mortgage, in a way I could easily understand. I thank God that he was the one I worked with because the process went smoothly and was even enjoyable with no hiccups. I now own my beautiful home through Town & Country with a very good interest rate. Thank you, Town & Country!” ~ Remi B.
We helped members secure
550 mortgages
for home purchases, remodeling, debt consolidation, new construction, lot purchases and refinances
187 of those mortgages were for First Time Homebuyers.
Our members were able to take advantage of special loan programs, ensuring they received the best loan for their situation.
SUPPORTING BUSINESS & AGRICULTURE
We are deeply committed to supporting local businesses and agriculture producers, providing trusted advice and financing. This commitment has made us the country’s 3rd largest NCUA-insured agriculture lender.
In July, we introduced the Small Business Grant program as a way to show appreciation for our business members. Four member-owned small businesses making a significant impact in our communities each received a $2,500 grant. To apply, Town & Country business members are asked to submit an essay answering the question, “How would your small business use $2,500 to create a positive impact on your staff, customers or the community?”
Congratulations to our inaugural recipients!
Town & Country Insurance Agency, owned by Town & Country Credit Union, is an independent insurance agency offering farm, crop, personal, health and commercial insurance options. They have agents in the Minot, Fargo and Bottineau areas who can help you compare prices and benefits and determine the best policies for you.
We foster a positive culture of teamwork, engagement and work-life balance throughout the credit union. This year, we launched a dress for your day dress code and an extensive training program for all levels within the organization, complete with our first in-person all-staff training day.
87% of employees surveyed say they are proud to tell people where they work.
Scholarships
The Town & Country Credit Union scholarship program awarded $10,000 to deserving local students in its second year. Congrats to these recipients!
- Alayna Francis - Minot High School
- Brynlee Christianson - Park Christian School
- Elise Altringer - Our Redeemer’s Christian School
- Joshua Kalamaha - Nedrose High School
- Payton Lang - Minot High School
- Lillie Hall - Minot High School
- Linhel Weston - Davies High School
- Kimberly Olson - Barnesville High School
- Cody Harris - Minot High School
- Lydia Repnow - Minot High Schools
“I wouldn’t consider any other place for my financial business than Town & Country! They’re the best!” ~ Calvin N.
Awards & Honors
IN 2023 WE RECEIVED THE FOLLOWING LOCAL AND NATIONAL RECOGNITION.
- 5 Star Superior Rating from Bauer Financial.
- “A” Health Rating from depositaccounts.com.
- 1st Place Louise Herring Philosophy in Action Member Service Award from the Dakota Association of Credit Unions.
- Voted Best Credit Union in the Minot Daily News Best of the Best.
- Voted Best Mortgage Lender in the Minot Daily News Best of the Best.
- Voted Best Customer Service in the Minot Daily News Best of the Best.
- Voted Best Credit Union in Fargo Forum’s Best of the Red River Valley.
- 2nd Place Dora Maxwell Social Responsibility Award from the Dakota Association of Credit Unions.
- Champion of Affordable Housing Award from the ND Housing Finance Agency.
Several of our staff were nominated for individual awards in the Minot Daily News Best of the Best.
IN MEMORIAM
Jay Hight
March 28, 1970-November 23, 2023
Town & Country Credit Union Board Member Jay Hight, age 53, passed away on Thursday, November 23, 2023 after a short battle with esophageal cancer. Jay joined the Town & Country Board of Directors in March of 2019. He was currently serving his second term when he passed away.
Brian Nelson
November 12, 1955-February 22, 2024
Town & Country Credit Union Board Member Brian Nelson, age 58, passed away on Thursday, February 22, 2024. Brian joined our Board of Directors in April of 2020. He was currently serving his first term when he passed away.