Cybersecurity Awareness Month: Simple Steps to Protect Your Finances

October marks Cybersecurity Awareness Month — a reminder that staying safe online matters all year. At Dakota West Credit Union, we’re committed to helping you protect your accounts, your identity, and your peace of mind through easy but powerful habits.

Why It Matters Now

Fraud and cyberattacks are rising. In recent years, consumers have lost billions to scams and identity theft—and financial institutions are frequent targets. As your credit union, we believe that security isn’t just our job behind the scenes—it’s a partnership with you, our member.

During Cybersecurity Awareness Month, we’re doubling down on education and proactive measures. But the best defense starts with you.

Four Foundations for Better Online Security

These simple practices make a big difference. Think of them as your “core four”:

  1. Strong, unique passwords + a password manager
    Reusing passwords across accounts is risky. Use a password manager to store and generate complex passwords for each login.
  2. Multifactor Authentication (MFA)
    MFA adds an extra verification step—like a code sent to your phone. That additional barrier stops many would-be attackers.
  3. Be alert to scams and phishing attempts
    Suspicious emails, texts, or links asking for personal info should raise red flags. Before clicking anything, verify the source. If something feels off, contact us.
  4. Keep your software and devices updated
    Updates often patch security vulnerabilities. Enable automatic updates when possible.

What DWCU Is Doing for Your Safety

We take security seriously—not just in October, but every day. Here’s how we protect your accounts:

Your Cybersecurity Checklist

Take control of your online safety with these steps today:

Beyond October: Staying Ahead of Threats

A more secure relationship with technology doesn’t start and end in October. At DWCU, we aim to:

Thank you for partnering with us in keeping your accounts—and your identity—safe. If you ever have questions about security or suspect something unusual, reach out. We're here to help.

Watford City’s Mortgage Go-To: Stef Russell

“Trust in your loan officer.” That’s the advice Stef Russell offers every homebuyer who walks through her door. And after nearly 20 years at Dakota West Credit Union, she’s earned the trust of countless families who now call Watford City home.

Stef isn’t just a mortgage expert—she’s a neighbor who knows this community inside and out. She keeps an eye on the real estate market. She notices which homes are for sale and which families are ready to make a move. She understands the rhythms of life here—and she uses that insight to help members find the perfect place to build their future.

On her desk? A growing stack of loan files.
To her, each folder isn’t just paperwork—it’s someone’s dream. And she treats every one of those dreams like it matters. Because it does.

Stef Can Help With:
Mortgage Loans – including Conventional, FHA, VA, and New Home Construction
Home Equity Lines of Credit (HELOCs) – flexible solutions for ongoing needs
Consumer Loans – for vehicles, projects, and more
Manufactured Home Financing – smart options with personalized support

She’ll walk you through every step—from choosing your loan type to closing day—always with clarity, care, and a deep respect for your goals.

Connect with Stef Today!

STEF RUSSELL
Mortgage Loan Officer

stefr@dakotawestcu.org

Dakota West Credit Union
340 N. Main Street
Watford City, ND, 58854
701.444.7379 DIRECT
701.444.6484 MAIN

A Champion for Members and Credit: Meet Mike Thilmony, Our New Chief Credit Officer

At Dakota West Credit Union, leadership is about more than overseeing operations—it’s about trust, connection, and putting people first. We’re thrilled to welcome Mike Thilmony as our new Chief Credit Officer (CCO)—a seasoned professional who brings both expertise and heart to our team.

A Career Built on Credit, Community, and Character

With over 25 years of experience in banking, Mike’s journey spans from Fargo, ND to Fort Morgan, CO, and everywhere in between. His work in credit and lending has been marked by a deep understanding of financial systems—and an even deeper respect for the individuals and families behind the numbers.

Born and raised in Sidney, Montana, Mike earned a degree in Business Management and Finance from the University of Mary in Bismarck, ND, where he attended on a wrestling scholarship. The discipline, drive, and teamwork he developed as an athlete continue to shape his approach to leadership today.

A Coach at Heart—On and Off the Mat

For 15 years, Mike called Thompson Falls, Montana home, where he not only served in key banking roles but also stepped up as Head Wrestling Coach at the local high school. Whether he’s guiding a team of athletes or a credit department, Mike leads with empathy, strategy, and a belief in building people up.

In 2024, Mike and his family returned to North Dakota, and Dakota West is honored to be part of his next chapter.

What Mike Brings to Dakota West

With three sons—two in college and one entering high school—Mike understands the importance of financial stability and future planning. That’s why he’s committed to ensuring our lending practices are thoughtful, balanced, and always in service of our members' goals.

Mike’s addition to our executive team reinforces Dakota West’s ongoing promise: to serve our communities with integrity, insight, and genuine care. His expertise helps ensure we’re not just offering loans—we’re offering smart, supportive solutions that make a difference in members’ lives.

Leading with Heart: Meet Jeff Reiter, CEO of Dakota West Credit Union

At Dakota West Credit Union, leadership is about more than making decisions—it’s about knowing your community, understanding its needs, and showing up with purpose every single day. That’s exactly what Jeff Reiter, our CEO, brings to the table.

From Montana Roots to Watford City Leadership

Raised in Billings, Montana, Jeff Reiter’s journey began with a passion for finance and a commitment to service. After earning his accounting degree with high honors from Montana State University – Billings, Jeff launched his career as a bank examiner with the FDIC, gaining vital insight into financial systems and regulatory compliance.

His path eventually led him through private banking roles across Montana and Wyoming, where he deepened his expertise and refined his leadership style. But it was in 2011, when Jeff planted roots in Watford City, that his connection to community really came to life.

More Than a CEO: A Neighbor, Guide, and Advocate

Jeff’s experience isn’t just financial—it’s deeply personal. For five years, he stepped into the world of real estate, helping families in Watford City find places to call home. It was a role that reflected his belief in staying close to the people and stories that shape the region.

Today, as CEO of Dakota West, Jeff draws on every step of his journey:

But perhaps what stands out most is his quiet leadership and steady presence. Whether it’s walking his dogs through town, picking up litter along the sidewalks, or lending a listening ear, Jeff leads with humility and heart.

A Quick Look at Jeff

Leadership That Reflects Our Mission

Under Jeff’s leadership, Dakota West Credit Union stays grounded in service, guided by integrity, and always centered on our members. He’s not just helping the credit union grow—he’s ensuring we grow with intention, values, and a shared sense of community.

We’re proud to be led by someone who truly believes in what we stand for: people first, always.

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