Credit union · NCUA insured
United Savings Credit Union
A $125.3M credit union headquartered in Fargo, ND, with 7,161 members and 5 branches in 2 states. Best rates: savings 0.75% APY.
United Savings Credit Union Carrot Score
81
Carrot Score
Higher than 57% of U.S. banks and credit unions
#14 of 25 in Fargo, ND-MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About United Savings Credit Union
United Savings Credit Union is a member-owned financial cooperative headquartered in Fargo, North Dakota.
The credit union serves individuals and organizations within a 75-mile radius of its Fargo, North Dakota home office.
- Headquarters
- 1001 1st Ave N, Fargo, ND 58102
- NCUA charter
- 65578
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons living within a 75-mile radius of the credit union's home office in Fargo, North Dakota are eligible for membership.
Employers and groups
- Organizations located within a 75-mile radius of the home office in Fargo, North Dakota are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Cost to join
- Membership requires depositing $25.00 into a regular share account.
Branches
5 branches in 2 states
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North Dakota
3 branches
- Main OfficeMain office1001 1st Ave N, Fargo, ND 58102Directions
- North Branch2940 University Dr, Fargo, ND 58102Directions
- South Branch4505 47th Ave S # 4248, Fargo, ND 58104Directions
Minnesota
2 branches
Detroit Lakes area · 1
- Detroit Lakes1121 Highway 10 E, Detroit Lakes, MN 56501Directions
Fargo area · 1
- Dilworth Office1407 W Highway 10, Dilworth, MN 56529Directions
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 | 12.70% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.88% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.40% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $82 | $76 | — |
- CapitalNet worth ratio12.70%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.88%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.40%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$82Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 United Savings Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.