United Savings

PO BOX 2308, Fargo, ND 58102

NCUA Insured4.3 (21 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1935

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Fargo, ND may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1935

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO BOX 2308

Fargo, ND 58102

Google Maps 🗺Waze

(701) 235-2832

Service Area

This credit union is located in Fargo and serves members in the ND area. Currently serving 7,167 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.21%

Used Auto Loan

7.91%

Personal Loan

14.35%

Credit Card APR

14.41%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in ND

Lowest rates currently reported by credit unions in ND (NCUA Q4 2025).

Affinity First— New Auto Loan

Minot, ND

1.95%

Dakota West— Used Auto Loan

Watford City, ND

4.69%

Dakota West— Personal Loan

Watford City, ND

3.49%

Dakota West— Credit Card APR

Watford City, ND

6.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

4.3

21 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Andrew Altringer

6 months ago

They get 5 stars for their wonderful and amazing staff. The problem is their application software and Shizaam 3rd party card processing vendor. Their online checking app leaves a lot to be desired. Shizaam is absolutely terrible. They decline all types of transactions and flag them as fraud. Then immediately call you and if you don’t answer or call back within a short period. They will just deactivate your debit card. Or if you call them back you are on hold for long periods of time. It is super annoying and just got to be too much. Other than that it’s a great bank.

Donnie Willis

8 months ago

Emma is the very best. She know how to handle any and everything in the bank I bet , she has great communication skills I mean she awesome sauce. Come meet Emma you won’t be disappointed, she’ll brighten up your day and have you taking care of your finances in no time.

Angie Pierson

6 years ago

I've been a member for over 35 years and I urge everyone to become a member at USCU for all their needs from your first car purchase, to a new home. It's a financial institution where they actually care about you. I can't say enough about USCU. Thanks to Bonnie, Jan, Kyle, Laura, Luke, Caroline and Felicia for the exceptional service I've received throughout the years. Give them a call - you will not be disappointed.

Bzdad Braaten

5 years ago

USCU was the first place i got an auto loan in 1991. Now almost 30 years later i'm still using them. Very easy to work with. I will use them again and get my kids introduced to the company as well.