The Area Community Credit Union has a rich heritage in the Greater Grand Forks area. We started as a Federally Charted Credit Union in 1958. We converted to a State Charted in December, 1964 with approximately $52,000 in assets. Initially, we were a Credit Union solely for the Grand Forks Public School employees. Over the years we have steadily grown along with the community.

On July 1, 1994 with $3.5 million in assets, we moved into our present building at 2800 South Washington Street. The Grand Forks Herald Credit Union merged with ACCU on April first, 1997 and we became a Community Chartered Credit Union, welcoming anyone (including all family members) living or working within a fifty mile radius of Grand Forks to become a member and to utilize the services of ACCU. Today we have approximately $20 million in assets, serving over 2,500 customers.


Come visit us! We're conveniently located at the corner of South Washington Street and 28th Ave South next to Rydell Auto Center.

2800 S Washington St

Coronavirus (COVID-19) Update as of Nov 19, 2020

Our lobby is currently open to our members and customers by appointment only. We look forward to opening our lobby again in the near future!

Effective Thursday Nov 19, 2020, until further notice ACCU will close the lobby to help reduce the spread of coronavirus. The drive up will remain open to assist our members, and staff will be available by appointment for all you loan needs. Please call 701.772.2690 with any questions or to set up an appointment.

We are actively following the federal, state, and local guidelines regarding COVID-19, and will post updates as soon as they are available. We want to assure the safety of our members, employees and the community.

You can view your accounts using your online access or your mobile app. You can also use your mobile app to remotely deposit a check. Your debit card has a $1000.00/day point-of-sale limit and a $400.00/day ATM limit.

We also have access to 50 free ATM's withing 50 miles, please check moneypass.com for further details.

If you have any questions or concerns we will still be here to assist our membership during normal business hours. We would like to remind you that your deposits at ACCU are safe. ACCU is well-capitalized and financially strong. Further, your funds are federally insurred by the National Credit Union Administration (NCUA) to at least $250,000.00 and backed by the full faith and credit of the United States Government

Give a big CHEER for the New Year!
Holiday loans as low as 8.5% APR.
12 month payback method

*APR = Annual Percentage Rate
Restrictions Apply (On approved credit)

Economic Impact Stimulus Checks Update as of April 14, 2020

The Internal Revenue Service is expected to provide a new online tool as soon as Wednesday April 15, 2020 to provide details on when you'll see your Economic Impact Payment via IRS.gov/eip. The IRS has said the tool will let you go online to check the status of a payment, including the date it's scheduled to be deposited or mailed.

If you filed a 2018 or 2019 tax return and have not received a stimulus payment, make sure to have your tax return information available to use at the "Get My Payment" tool later this week (Week of April 14, 2020).

We appreciate our members wanting to know when these payments will be deposited in their accounts during this difficult time. However, Area Community Credit Union staff does not have knowledge as to exact dates that the Economic Impact payments will be deposited in accounts. We would ask that all inquiries been directed towards the IRS at IRS.gov/eip.