Credit Unions in Fargo, ND
6 member-owned, NCUA-insured credit unions headquartered in or near Fargo, serving a combined 15,040 members. The largest is United Savings. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
United Savings
FARGO, ND🇺🇸
7,167 members
Credit Unions & BankingView details →Fargo Public Schools
Fargo, ND🇺🇸
2,348 members
Credit Unions & BankingView details →Postal Family
FARGO, ND🇺🇸
2,273 members
Credit Unions & BankingView details →Fargo Va
FARGO, ND🇺🇸
1,491 members
Credit Unions & BankingView details →Cce
Fargo, ND🇺🇸
1,318 members
Credit Unions & BankingView details →F.F.E.
FARGO, ND🇺🇸
443 members
Credit Unions & BankingView details →Locations are a credit union's NCUA charter (headquarters), geocoded to the city — not its individual branches. A listing here means a credit union is based in or near Fargo, not that it is the nearest branch to you.
How to join a credit union in North Dakota
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Fargo or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Fargo — common questions
How many credit unions are in Fargo?
6 member-owned, NCUA-insured credit unions are headquartered in or near Fargo, North Dakota, with a combined 15,040 members. The largest is United Savings.
Are these the closest credit unions to me in Fargo?
This page lists credit unions whose NCUA charter (headquarters) is based in or near Fargo — geocoded to the city, not to individual branches. A credit union based elsewhere may still have a branch near you, and one based here may serve a wider area. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Fargo?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in North Dakota accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Fargo?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.