Savings Accounts
Share Savings
Minimum Balance: $50
APY*: 0.05%


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 use it as a regular savings account. Regulation D limits the number of withdrawals without a signature to six per month.

Instant Cash Cards
These cards are available with unlimited withdrawals. The first eight ATM withdrawals per month are free. After eight there is a $1.00 fee per withdrawal. There are no monthly service charges.

Money Market Savings

Balance: $500 - $9,999
APY*: 0.10%

Balance: $10,000 - $24,999

APY*: 0.15%

Balance: $25,000 - $49,999
APY*: 0.20%

Balance: 50,000 and higher
APY*: 0.25%


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.  A minimum balance of $500 must be maintained to earn dividends. 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 is available to employees of the Fargo Public Schools.

Holiday Club Savings
Minimum Balance: None
APY*: 0.20%


Holiday Club accounts are designed to help you save money for the holidays. They are separate savings accounts that earn higher dividends and do not require a minimum balance. On November 1st, the funds are automatically transferred to your share savings or draft account, or you can request a check be mailed to you. Dividends are paid at the time the funds are disbursed.

Hunting Club Savings
Minimum Balance: None
APY*: 0.20%


Hunting Club accounts are designed to help you save money for the hunting season. They are separate savings accounts that earn dividends and do not require a minimum balance. On September 1st, the funds are automatically transferred to your share savings or draft account, or you can request a check be mailed to you. Dividends are paid at the time the funds are disbursed.

Vacation Club Savings
Minimum Balance: None
APY*: 0.20%


Vacation Club accounts are designed to help you save money for vacations. They are separate savings accounts that earn dividends and do not require a minimum balance. Dividends are paid at the time the funds are disbursed.


*Annual Percentage Yield. Rates subject to change without notice. Rates current as of August 22, 2013.