Fargo Public Schools
Federal Credit Union
415 4th Street North - Fargo, ND 58102
1609 32nd Ave S - Fargo, ND 58103
Lobby Hours:
North Branch:
M-F: 8:30 am - 4:30 pm
South Branch: M-F 8:30 am - 5:00 pm
Drive Up Hours
Both Locations:
M-F: 7:30 am - 5:30 pm
Sat: 8:30 am - noon
Phone: 701-241-4770
Fax: 701-241-4963
Audio Response: 888-296-6648
service@fpsfcu.com
|
Share Draft Checking Our share draft accounts do not require a minimum balance and the first 50 checks written per month are free. After 50, there is a $.10 per check fee. We will credit up to $11.00 towards your first check order. There is a $20.00 per item overdraft fee. Instant Cash and Check card available. Overdraft Protection Annual Percentage Rate (APR): 10.95% This is a line of credit designed to help prevent overdrafts. The funds are distributed in $100.00 increments to the share draft account. It is set up to take automatic monthly payments from the share draft account of either $25.00 or 5% of the balance, whichever is greater. You have the option of paying the balance in full at any time. Rate subject to change. Rate is effective as of July 16, 2008. Instant Cash & Check Cards These cards can be used anyplace Visa is accepted. They can be used in place of writing a check and there is no transaction fee for purchases. The first four ATM cash withdrawals each month are free. After four, there is a $1.00 fee per withdrawal. You can use your Instant Cash and Check card without charge at InstantCash® ATMs nationwide, including most Wells Fargo ATMs that are at Wells Fargo branch locations (other than in California). You can also withdraw cash from our ATM’s at Randy’s University Diner, Fargo South High School, Fargo North High School and our south branch with no surcharge. There is no annual fee for having the card. If the card is lost or damaged, there is a $5.00 replacement fee. If you should overdraw your account, there is a $20.00 per transaction overdraft fee. |
 |
|
Share Savings Minimum Balance: $50.00 All members are required to open a Primary Shares account with a $50.00 minimum balance. The $50.00 represents your “share” of the credit union. You may make deposits to this account at any time and utilize it as a regular savings account. Instant Cash card available. If you should overdraw this account, there is a $20.00 per item overdraft fee. There are no monthly service charges. Rate subject to change. Rate if effective as of July 16, 2008. Balance: $500 - $9,999.00 Balance: $10,000 - $24,999.00 Balance: $25,000.00 - Higher These are higher dividend earning accounts designed
to help you save money while still providing access to cash! Only
$500 to open with no maintenance or closing fees. Six transactions are allowed per month,
including cash withdrawals. Cash withdrawals require a signature.
Money markets are not linked to Instant Cash & Check cards. Payroll
deduction available to employees of the Fargo Public Schools. Rates subject to change.
Rates effective as of Holiday Club Savings Minimum Balance: None Holiday Club accounts are designed to help you save money for the holidays. They are a separate savings account that earn dividends and do not require a minimum balance. On November 1st, the funds will automatically be transferred to your share draft account, or a check will be sent to you. Dividends are paid at the time the funds are dispersed. Rate subject to change. Rate is effective as of July 16, 2008. Instant Cash Card The Instant Cash card is accepted at ATM’s worldwide. The first four cash withdrawals each month are free. After four, there is a $1.00 per withdrawal fee. You can use your Instant Cash and Check card without charge at InstantCash® ATMs nationwide, including most Wells Fargo ATMs that are at Wells Fargo branch locations (other than in California). You can also withdraw cash from our ATM’s at Randy’s University Diner, Fargo South High School, Fargo North High School and our south branch with no surcharge. There is no annual fee for having an Instant Cash card. If the card is lost or damaged, there is a $5.00 replacement fee. If you should overdraw your account, there is a $20.00 per withdrawal overdraft fee. |
 |
|
New/Used Automobiles Annual Percentage Rate (APR): as low as 5.50%
New/Used Car
Values Recreational Vehicles Annual Percentage Rate (APR): as low as 5.50% Rates will vary depending on type of payment and number of services. Our lowest rate applies to members with an automatic payment and two services in addition to the share savings account. A $10.00 late fee will be assessed if your payment is more than 10 days past due. Terms and conditions may vary. Rate is subject to change without notice. Rate is effective as of July 16, 2008. Please contact the credit union for more information. Mortgage Annual Percentage Rate (APR): as low as 6.00% Our mortgage loans cover 80% of the appraised value, up to $100,000. We offer a 15 year term or a 20 year term, both with a 5 year fixed rate. The 20 year term has an interest rate that is .25% higher than the 15 year term. Closing fees are paid by the member. A late fee of 5% of your payment will be assessed if your payment is more than 30 days past due. Need more than $100,000? Contact the credit union for more information. Terms and conditions vary. Rate is subject to change without notice. Rate is effective as of July 16, 2008. Home Equity Line of Credit Annual Percentage Rate (APR): as low as 5.75% This line of credit allows you to use the equity in your home to get cash! This is a revolving line of credit with a variable rate and a 15 year term. You may borrow 80-100% of the appraised value of your home. Our lowest rate is associated with borrowing 80% of value. The credit union will pay the first $300 of closing costs. Terms and conditions vary. Rate is subject to change without notice. Rate is effective as of July 16, 2008. For more information, please contact the credit union. Home Equity Annual Percentage Rate (APR): as low as 5.25% This loan allows you to use the equity in your home to get cash! This is a closed-end loan. You may borrow up to 80-100% of the appraised value of your home on a 5 year fixed rate. The credit union will pay the first $300 of closing costs. Our lowest rate is associated with borrowing 80% of value. Terms and conditions vary. Rate is subject to change without notice. Rate is effective as of July 16, 2008. For more information, please contact the credit union. Share Secured Annual Percentage Rate (APR): 5.00% These loans are secured with shares deposited at the credit union. A $10.00 late fee will be assessed if your payment is more than 10 days past due. Terms and conditions vary. Rate is subject to change without notice. Rate is effective as of July 16, 2008. For more information, please contact the credit union. Personal Loan Annual Percentage Rate (APR): 10.95% Our personal loans are designed to provide you with access to funds, even without collateral. Personal loans can be used for practically any reason. A $10.00 late fee will be assessed if your payment is more than 10 days past due. Terms and conditions vary. Rate is subject to change without notice. Rate is effective as of July 16, 2008. For more information, please contact the credit union. Back to Top | Back to Navigation Federal Plus Loans
FASTPLUS
Annual
Percentage Rate (APR): 8.50% fixed rate
Rate valid through June 30, 2009 Lender code: 833240 The Federal PLUS Loan is available to a creditworthy parent of dependent undergraduate students. This loan is not based on financial need and there is no interest subsidy. There is no annual aggregate limit. The eligible loan amount is equal to the cost of education minus any financial aid received by the student. Loan proceeds are sent to the school, co-payable to the parent and school, generally in at least two disbursements. First payment is due within 60 days of final disbursement and the loan may be prepaid at any time without penalty. The credit union has application packets available that contain lots of information on Parent PLUS loans. Get your FREE copy today! Federal Stafford Loans
FASTLoans
(Electronically file a Master Promissory Note) Annual
Percentage Rate (APR): 6.00% fixed rate (undergraduate); 6.80% fixed rate
(graduate) There are three types of Stafford loans: Subsidized, Unsubsidized-Dependent and Unsubsidized-Independent. The interest rates are the same for all three. Loan proceeds are sent to the school, generally in at least two disbursements. Repayment begins six months after the student drops below half-time status or graduates. May prepay any part of the loan without penalty. For subsidized loans, the interest is paid by the government while the student is in school and for six months after leaving school. For unsubsidized loans, the interest is payable from the date of disbursement. Master Promissory Notes are available at the credit union. The credit union has "Going Off to College" packets available that contain lots of information on student loans! Get your FREE copy today! |
|
IRA (Individual Retirement Account)
A new law that took effect on April 1, 2006 provides up to $250,000 of protection for the combined total of the traditional and Roth IRA's, self-directed Keoghs and certain other retirement accounts an individual may have at an NCUA-insured credit union. These retirement accounts are insured separately from any other deposits you may have at the same credit union. Roth IRA Limit: $5,000 for 2008 This account is designed to help you save for retirement. Contributions are limited to $5000 for the year 2008. A special exception applies if you are 50 or older that allows you to contribute an additional $1000 for the years 2006-2008. Earnings are tax-deferred and may even be withdrawn tax free. Income and compensation limitations apply. Please contact a tax professional to determine eligibility. For more information, contact the credit union. Rate subject to change. Rate is effective as of July 16, 2008. Traditional IRA Limit: $5,000 for 2008 This account is designed to help you save for retirement. Contributions are limited to $5000 for the year 2008. A special exception applies if you are 50 or older that allows you to contribute an additional $1000 for the years 2006-2008. Earnings are tax-deferred and contributions may be tax-deductible. Age and compensation limitations apply. Please contact a tax professional to determine eligibility. Even if you are not able to make contributions, you are still able to open a Traditional IRA to receive funds from other qualified plans, such as a 401k. For more information, contact the credit union. Rate subject to change. Rate is effective as of July 16, 2008. Coverdell ESA Limit: $2,000 This account is designed to help pay education expenses for a particular child. Education expenses include private, public or parochial elementary, secondary, or post-secondary. Contributions are limited to $2000 a year per child. Persons other than the child’s parents may make contributions to the account. Contributions are reported in the child’s name and Social Security Number. Earnings are tax free if used for a qualified expense. Please contact the credit union for more information. Rate subject to change. Rate is effective as of July 16, 2008. |
 |
|
3 Month Limit: $500 - $9,999.00 Limit: $10,000.00 - $24,999.00 Limit: $25,000.00 - Higher Minimum $500 to open. Dividends compound monthly. No additions allowed. Rate subject to change. Rate is effective as of July 16, 2008. Early withdrawal penalty of 90 days interest. 6 Month Limit: $500 - $9,999.00 Limit: $10,000.00 - $24,999.00 Limit: $25,000.00 - Higher Minimum $500 to open. Dividends compound monthly. No additions allowed. Rate subject to change. Rate is effective as of July 16, 2008. Early withdrawal penalty of 90 days interest. 12 Month Limit: $500 - $9,999.00 Limit: $10,000.00 - $24,999.00 Limit: $25,000.00 - Higher Minimum $500 to open. Dividends compound monthly. No additions allowed. Rate subject to change. Rate is effective as of July 16, 2008. Early withdrawal penalty of 90 days interest. 12 Month Savin' Up Certificate Minimum Balance: $100.00 This is a 12 month term Share Certificate which is offered to youth members ages 0-19. Minimum $100 to open. You may add to this certificate in increments of $100.00 with no penalty. Dividends compound monthly. Rate subject to change. Rate is effective as of July 16, 2008. Early withdrawal penalty of 90 days interest. |
 |
|
VISA ScoreCard...A World of Rewards Awaits You! Why not take this opportunity to explore exotic places and experience new cultures? Regardless of your destination, ScoreCard can take you there with fewer restrictions and no black out dates. There's never been a better time to see the world using ScoreCard Travel Rewards. However, if you are not looking to travel, take advantage of our merchandise awards. With high-tech item names like Toshiba, Sony, and Bose, and high-style products from companies like Mikasa, Calphalon and Coach, there are rewards for every lifestyle. For more information on the merchandise or travel rewards, call 1-800-854-0790. Select from these VISA programs: With Annual Fee ($30) Annual Percentage Rate (APR): 10.95% With one point earned for every net dollar spent in retail purchases, your points add up to a wide range of travel and valuable award choices. Rate subject to change. Rate is effective as of July 16, 2008. There is a $20.00 over limit fee. A $20.00 late fee will be assessed if your payment is more than 10 days past due. No Annual Fee VISA Annual Percentage Rate (APR): 15.75% With one point earned for every net dollar spent in retail purchases, your points add up to a wide range of travel and valuable award choices. Rate subject to change. Rate is effective as of July 16, 2008. There is a $20.00 over limit fee. A $20.00 late fee will be assessed if your payment is more than 10 days past due. Annual Percentage Rate (APR): 7.00% This card is secured by the share account balance of a designated account. The VISA "Scorecard" is uniquely designed to enhance your world! With one point earned for every dollar spent, it won't take long to make these great new gift and travel rewards yours. Rate subject to change. Rate is effective as of July 16, 2008. There is a $20.00 over limit fee. A $20.00 late fee will be assessed if your payment is more than 10 days past due. |
 |
|
Our safe deposit boxes are located in our south branch at 1609 32nd Ave S, Fargo. We offer two sizes and prices. A 3x10 box can be rented for $25 a year, or a 5x10 box can be rented for $40 a year. Safe deposit boxes can be rented to anyone who is a member of this credit union. Box contents are NOT insured by us or by any government agency. Items stored in a safe deposit box are considered loss-resistant, not loss-proof. Therefore, every renter is encouraged to obtain their own insurance on box contents. In order to protect both our members and ourselves, the credit union operates on a "won't ask, don't tell" policy regarding box contents. We will never ask to see inside your safe deposit box and will politely refuse to discuss box contents with you. For more information of safe deposit boxes, please contact the south branch by calling 701-241-4770, stopping in at 1609 32nd Ave S or by emailing service@fpsfcu.com. E-Statement Replace your paper statement with our new electronic statements on MyKeptData.com. When your e-statement is ready, we will send you an e-mail reminder. Direct Deposit Let us sign you up for either direct deposit or payroll deduction. When you can't get to the credit union, your money can! Credit Union Connect Go to the home page and look for the "Credit Union Connect" icon to get started! Check account balances, transfer funds, download statements and even apply for a loan, absolutely FREE! Audio Response Line 1-888-296-6648 24-Hour, Toll-Free access to all of your accounts! Transfer funds, Check deposits and withdrawals, or stop payment on a check. United States Savings Bonds We sell and redeem U.S. Savings Bonds. Wire Transfers We can wire funds to another financial institution for only $10.00 or funds can be wired to us for $5.00. We will need an ABA or Routing Number, Account Number, Account Name along with Financial Institution Name and Location in order to process the outgoing wire. Wire cut-off time is 12:30 p.m. for international wires and 2:30 p.m. for national wires. We also offer wires through Western Union. The cut off time is the same as other domestic wires. The fee for Western Union wires is $25.00. Money Orders Available to all members for only $.40! Night Depository Located in the drive-up lane. Deposits will be credited on the next business day. Notary Public This service is FREE to all members! Newsletter "Of Quarterly Interest" is mailed to all members quarterly with statements. Keep up on events at the credit union, loan specials and consumer information. |
 |
