Credit union · NCUA insured
Fargo Public Schools Federal Credit Union Savings Rates
Fargo Public Schools Federal Credit Union’s best savings rate is 0.60% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Fargo Public Schools Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Fargo, ND-MN, where Fargo Public Schools Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Fargo Public Schools Federal Credit Union
0.60%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $60
Money Market Savings
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
Fargo Public Schools Federal Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.60%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Fargo Public Schools Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
0.60%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $9,999 | 0.50% | — |
| $10,000 – $24,999 | 0.60% | $60 |
| $25,000 – $49,999 | 0.80% | — |
| $50,000 and up | 1.00% | — |
Sources (2)
All captured Oct 15, 2026
Primary Shares
0.05%APY
Minimum balance to open is $50.00, representing the member's share of the credit union. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upEarn dividends on balances over the minimum; no monthly service fees.$50 and up | 0.05% | $5 | Earn dividends on balances over the minimum; no monthly service fees. |
Sources (3)
All captured Oct 15, 2026
Secondary Share Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- fpsfcu.com/services-and-tools/rates · captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts
2.00%APY
Offers Traditional IRA, Roth IRA, and Coverdell Education Savings Account options. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIncludes Traditional IRA, Roth IRA, and Coverdell Education Savings Account. No monthly fees.Any balance | 2.00% | $200 | Includes Traditional IRA, Roth IRA, and Coverdell Education Savings Account. No monthly fees. |
Sources (3)
All captured Oct 15, 2026
Club Savings
0.25%APY
Choose from Vacation, Holiday, Hunting or all three. No monthly fees. No minimum balances. On a set date funds are automatically transferred to account with dividend.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly fees; no minimum balance; funds automatically transferred on a set date with dividend.Any balance | 0.25% | $25 | No monthly fees; no minimum balance; funds automatically transferred on a set date with dividend. |
Sources (3)
All captured Oct 15, 2026
Who can join Fargo Public Schools Federal Credit Union
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.
Membership information collected October 4, 2026.