G.e.m. Federal Credit Union

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A short history of G.e.m. FCU

Since its inception in 1940 the G.e.m. Federal Credit Union has been serving its members in the MINOT, North Dakota area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by KIM COLBENSON, the G.e.m. FCU has grown its membership to over 1,857 with assets of more than $24,719,630. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (701) 852-3866 or email them at GEMCU@SRT.COM to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in MINOT, ND.

General Information For G.e.m. FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 3660
Address PO BOX 1606 
State North Dakota 
Zip-Code 58702
Phone Number (701) 852-3866
Fax Number (701) 852-4311
Email Address: GEMCU@SRT.COM
Members 1,857 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 24,719,630 
Website http://GEMCU.ORG 

Compare G.e.m. Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Town And Country CU Ryder 221 N Main St 58779 (701) 758-2269 No 0.13
Tel-u-watt CU Main Office 24 2nd Ave SE 58702 (701) 838-9810 No 0.21
Minot Area Schools CU Minot Area Schools Federal Credit Union 215 2nd St SE 58701 (701) 857-4430 No 0.28
Affinity First CU Affinity First FCU 811 S Broadway 58701 (701) 857-5541 No 0.28
Prairie CU MAIN OFFICE 1430 S BROADWAY 58701 (701) 837-5353 No 0.79

G.e.m. Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

G.e.m. Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 16.90 2.65 3.85 4.25 4.22
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 544 103 185 174 128
Rank Among All North Dakota Credit Unions 19 8 12 6 3

G.e.m. Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.15 0.25 0.35 0.35
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 119 105 293 250
Rank Among All North Dakota Credit Unions N/A 10 6 20 17
G.e.m. Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 16.900277351,787
All Other Unsecured Loans/Lines of Credit 7.000143404,298
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.650811,620,972
Used Vehicle Loans 3.8503104,392,116
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.250231,784,233
Total Other Real Estate Loans/Lines of Credit 4.22022678,796
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.0401251,946,514
TOTAL LOANS & LEASES 98111,178,716

G.e.m. Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 141,500,8791193,600
Other Fixed Rate 9283,35400
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 22678,7965247,595
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 452,463,0296441,195


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

G.e.m. Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes