Credit union · NCUA insured
Fargo Public Schools Federal Credit Union
A $57.6M credit union headquartered in Fargo, ND, with 2,349 members and 2 branches in North Dakota. Best rates: CDs 3.70% and savings 0.60% APY.
Fargo Public Schools Federal Credit Union Carrot Score
86
Carrot Score
Higher than 73% of U.S. banks and credit unions
#9 of 25 in Fargo, ND-MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Fargo Public Schools Federal Credit Union
Formed in 1934 by 10 educators as the first credit union in North Dakota, Fargo Public Schools Federal Credit Union is a member-owned financial cooperative.
The credit union operates two branches located in North Fargo and South Fargo.
- Headquarters
- 1609 32nd Ave S, Fargo, ND 58103
- NCUA charter
- 47
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Board members are eligible to join.
- Current or retired Fargo Public Schools employees are eligible for membership.
Family and household
- Immediate family members of a current Fargo Public Schools FCU member (including spouse, domestic partner, parent, sibling, child, grandparent, or grandchild) are eligible for membership.
Cost to join
- Members must deposit $50 by check or cash to their share savings account, which represents their share of the Credit Union and is refundable upon closing the account.
Branches
2 branches in North Dakota
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North Dakota
2 branches
- Fargo Public Schools FCUMain office1609 32nd Ave S, Fargo, ND 58103Directions
- Fargo Public Schools FCU1462 Broadway N, Fargo, ND 58102Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.24% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.01% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.55% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $41 | $59 | — |
- CapitalNet worth ratio12.24%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.01%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.55%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$41Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Fargo Public Schools Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.