Credit union · NCUA insured
Ft. Randall Federal Credit Union
A $44.9M credit union headquartered in Wagner, SD, with 3,418 members and 2 branches in South Dakota. Best rates: CDs 3.80% and savings 0.50% APY.
Ft. Randall Federal Credit Union Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#40 of 47 in South DakotaHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Ft. Randall Federal Credit Union
Founded in 1951 as a member-owned credit union, Ft. Randall FCU serves individuals and families across Brule, Bon Homme, Charles Mix, Douglas, Gregory, and Hutchinson counties in South Dakota.
Originally starting in Pickstown where it was chartered to serve Pickstown School District employees, the credit union opened its first branch in Platte in May 2004.
- Headquarters
- 231 Lake St NW, Wagner, SD 57380
- NCUA charter
- 7067
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, volunteers, or attends school in Brule, Bon Homme, Charles Mix, Douglas, Gregory, or Hutchinson Counties in South Dakota is eligible for membership.
Family and household
- Immediate family members of current credit union members are eligible for membership, even if they do not live in the six-county service area.
Cost to join
- Joining requires opening a membership savings account with an unstated minimum deposit to establish ownership in the credit union.
Branches
2 branches in South Dakota
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South Dakota
2 branches
Wagner area · 1
- WagnerMain office231 Lake St NW, Wagner, SD 57380Directions
Platte area · 1
- Platte100 W 7th Street, Platte, SD 57369Directions
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 | 17.52% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.12% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.03% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $73 | $59 | — |
- CapitalNet worth ratio17.52%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.12%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.03%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$73Peers’ 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 Ft. Randall 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.