Credit union · NCUA insured
Postal Family FCU
A $29.7M credit union headquartered in Fargo, ND, with 2,249 members and 2 branches in North Dakota. Best rates: CDs 3.82% and savings 0.45% APY.
Postal Family FCU Carrot Score
79
Carrot Score
Higher than 50% of U.S. banks and credit unions
#17 of 25 in Fargo, ND-MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Postal Family FCU
Postal Family FCU is a credit union headquartered in Fargo, North Dakota, serving members since 1936.
The credit union also operates a branch office in Grand Forks, North Dakota.
- Headquarters
- 2730 12th Ave S, Fargo, ND 58103
- NCUA charter
- 951
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, or attends school in 31 specified counties in North Dakota, South Dakota, and Minnesota.
Branches
2 branches in North Dakota
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North Dakota
2 branches
Fargo area · 1
- Main OfficeMain office2730 12th Ave S, Fargo, ND 58103Directions
Grand Forks area · 1
- Branch2501 28th Ave S, Grand Forks, ND 58208Directions
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 | 10.52% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.19% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.69% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $32 | $59 | — |
- CapitalNet worth ratio10.52%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.19%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.69%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$32Peers’ 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 Postal Family FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.