Credit Unions in Fargo, ND
6 member-owned, NCUA-insured credit unions headquartered in or near Fargo, serving a combined 14,975 members. The largest is United Savings. Click any credit union for its full details.
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Sorted by membership size.
United Savings
FARGO, ND🇺🇸
7,160 members
Credit Unions & BankingView details →Fargo Public Schools
Fargo, ND🇺🇸
2,346 members
Credit Unions & BankingView details →Postal Family
FARGO, ND🇺🇸
2,229 members
Credit Unions & BankingView details →Fargo Va
FARGO, ND🇺🇸
1,502 members
Credit Unions & BankingView details →Cce
Fargo, ND🇺🇸
1,296 members
Credit Unions & BankingView details →F.F.E.
FARGO, ND🇺🇸
442 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Fargo: they are based in or near Fargo. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Fargo
6 more credit unions headquartered elsewhere have a branch in Fargo, ND. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Magnifi Financial
MELROSE, MN🇺🇸
85,513 members
Credit Unions & BankingView details →Empeople
Moline, IL🇺🇸
74,228 members
Credit Unions & BankingView details →First Community
Jamestown, ND🇺🇸
46,875 members
Credit Unions & BankingView details →Capital
Bismarck, ND🇺🇸
32,946 members
Credit Unions & BankingView details →Levo
Sioux Falls, SD🇺🇸
32,939 members
Credit Unions & BankingView details →Town And Country
MINOT, ND🇺🇸
26,599 members
Credit Unions & BankingView details →- Magnifi Financial — branch: 5161 Charles Way S Fargo, ND 58104
- Empeople — branches: 1441 44th ST N Fargo, ND 58102-2854; 4101 19th Ave N Fargo, ND 58102; 1750 NDSU Research Park Dr N Fargo, ND 58102
- First Community — branches: 4521 19th Ave S Fargo, ND 58103-7701; 1404 12th Ave N Fargo, ND 58102; 5201 42nd St. S Fargo, ND 58104
- Capital — branches: 4900 13th Ave S Fargo, ND 58103; 3216 Veterans Blvd S Fargo, ND 58104-3304; 3137 32nd Ave S Fargo, ND 58103
- Levo — branch: 2975 Uptown Way Fargo, ND 58104
- Town And Country — branches: 815 25th St S Fargo, ND 58103-2397; 720 4th St N Route # 241 Fargo, ND 58122-4520; 5181 38th St S Fargo, ND 58104-7191
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 14,975 members. The largest is United Savings.
Are these the closest credit unions to me in Fargo?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Fargo, geocoded to the city. The second list adds 6 more credit unions headquartered elsewhere that NCUA shows with a branch in Fargo, as of June 30, 2026. A credit union can serve a wider area than its branches. 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.