United Savings Fargo ND Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to United Savings, your trusted financial partner located at 1001 1st Ave N, Fargo, ND 58102. Established in 1935, our credit union has been committed to serving our community for nearly nine decades. With a total membership of over 7,200 individuals and assets amounting to an impressive $119,283,274, we pride ourselves on being a cornerstone of support for our members' financial journeys. At United Savings, we understand that managing your finances can be challenging. That's why we offer a wide range of services tailored just for you from personal banking and auto loans to business loans and online banking options. Our team is dedicated to providing you with the tools and guidance you need to achieve your financial goals. Our leadership team is led by CEO Jim Schaefbauer and Board President Keith Hansen, who work tirelessly to ensure that every member feels valued and supported. We have a dedicated staff of 32 employees ready to assist you during our operating hours: Monday through Friday from 7:30 AM to 6:00 PM and Saturday from 8:30 AM to 1:00 PM. While members can visit us at our branch address, official correspondence should be sent to our mailing address at Po Box 2308, Fargo, ND 58102. With total deposits reaching $6,131,557 and net worth standing at $15,086,255, we are well-equipped to help you make sound financial decisions. Whether you're looking for a new loan or just want some friendly advice about saving, we're here for you. Connect with us today by calling 701-235-2832 or explore more on our website here. Join us in making your financial dreams a reality!

Branch History & Mission

Welcome to the inspiring journey of United Savings, a cornerstone of community banking in Fargo, ND. Established in 1935, our branch has grown alongside its members, becoming a trusted financial partner for over 7,219 individuals and families in the area. Located at 1001 1St Ave N, Fargo, ND 58102, we are proud to be part of a vibrant community that values support and collaboration. From our humble beginnings, United Savings has evolved significantly. Our mission is clear: to provide accessible financial services while fostering strong community ties. We believe that banking should be personal and empowering. This guiding principle drives us to offer an array of services tailored to meet the unique needs of our members whether it's personal banking, auto loans, mortgages, or business financing. While members can visit us at 1001 1St Ave N, official correspondence should be sent to Po Box 2308, Fargo, ND 58102. Our convenient drive-thru service and ATM availability ensure that banking with us is as easy as possible. We are open from 7:30 AM to 6:00 PM on weekdays and from 8:30 AM to 1:00 PM on Saturdays, providing flexibility for those with busy schedules. Our commitment extends beyond traditional banking; we embrace technological advancements to enhance member experience. With features like online and mobile banking, e-statements, and person-to-person payments, we strive to make managing finances convenient for everyone. At United Savings, community outreach is also vital. We actively engage in local initiatives and partnerships that uplift our neighbors. Our leadership team, including CEO Jim Schaefbauer and Board President Keith Hansen, believes in giving back to those we serve. We understand that our growth is intrinsically linked to the prosperity of the community around us. With total assets reaching an impressive $119,283,274, we are dedicated not only to sound financial practices but also to ensuring that every dollar serves a purpose be it helping a member achieve their dreams or supporting local projects that benefit all. If you're looking for a financial institution that genuinely cares about you and your goals, look no further than United Savings. Join us today and experience the difference of being part of a credit union built on trust, integrity, and community spirit. Visit us online at unitedsavingscu.org or call us at 701-235-2832 for more information on how we can help you thrive!

Branch Location & Accessibility

Contact Us Today!

If you have any questions or need assistance, don't hesitate to give us a call at 701-235-2832. We invite you to visit us soon and discover how United Savings can support your financial journey. Your satisfaction is our priority!

Nearby Landmarks and Accessibility

Located near popular spots in Fargo, our branch is easy to find. If you're visiting us, look for nearby landmarks that make our location even more accessible. We take pride in ensuring that all members can access our facilities comfortably, with ADA-compliant features such as ramps and designated parking spaces available. While members can visit us at 1001 1St Ave N, official correspondence should be sent to our mailing address at Po Box 2308, Fargo, ND 58102.

Operating Hours and Services

We understand that flexibility is key when it comes to banking. Our lobby hours run from 7:30 AM to 6:00 PM Monday through Friday, and we're also open on Saturdays from 8:30 AM to 1:00 PM. Feel free to drop by during these hours for personal assistance or simply to chat with our friendly staff. At United Savings, we offer a wide range of services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, our team is ready to help you manage your finances effectively. Need cash? Our ATM is available for easy withdrawals, and if you prefer the convenience of drive-thru banking, we have that option too!

Member Eligibility

Joining the United Savings family means becoming part of a welcoming community that truly cares about your financial well-being. To become a member at United Savings, located at 1001 1St Ave N, Fargo, ND 58102, you'll find the process to be straightforward and inclusive. We invite individuals who live, work, worship, or attend school in our service areas to join us. This means if you're in the Fargo area or connected through one of these avenues, you're eligible! You can read more about the specific eligibility criteria by visiting this page. Once you know you're eligible, opening an account is just a click away! With our easy online application process available here, you'll be on your way to enjoying all the benefits of membership in no time. Whether it's competitive rates on loans or personalized service, being a member of United Savings opens doors to financial opportunities that help you thrive. If you have any questions along the way, feel free to reach out to us at 701-235-2832 we're here to help!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $75 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $4,705,425, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the ability to process payments quickly and efficiently, whether your customers are shopping online or at your storefront. Our merchant services provide this convenience, allowing you to focus on what matters most growing your business. From credit card processing to mobile payment options, we offer tailored solutions that fit your operational needs. Visit us at our branch located at 1001 1St Ave N Fargo Nd 58102, Fargo, ND, or give us a call at (701) 235-2832 to learn how we can assist you in taking your business further!

Comprehensive List Of Services

ATM and Drive-Thru Services

We know that sometimes you need cash quickly or have simple transactions to handle. That's why we provide easy access through our ATM and cash withdrawal services, along with basic drive-thru banking for deposits and withdrawals. At United Savings, we're committed to making your banking experience as smooth as possible. With operating hours from 7:30 AM to 6:00 PM on weekdays and 8:30 AM to 1:00 PM on Saturdays, we're here when you need us most. For any questions or assistance regarding our services, feel free to reach out at (701) 235-2832. We're excited to serve you! Visit us online at https://www.unitedsavingscu.org or come by our branch today!

Business Banking

If you're a business owner, we have solutions tailored just for you. Our business banking services, including merchant services and business loans, empower you to grow and manage your business effectively.

Credit Solutions

To help you manage everyday expenses or make significant purchases, we offer credit cards with rewards. These cards not only provide purchasing power but also reward you for your spending habits.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we prioritize digital banking features at Main Office. With our online and mobile banking, you can manage your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or making payments, everything is just a few taps away.

Home Financing

Thinking about purchasing a home? Our mortgage loans and refinancing services can help make that dream a reality. We guide you through the process, ensuring you understand every step along the way. For those looking to consolidate debt or fund personal projects, our personal loans and debt consolidation services are here to assist.

Personal Banking

We offer various personal banking options designed with you in mind. Our checking and savings accounts allow you to manage your finances efficiently while earning interest on your savings. If you're considering buying a new car or need financing for your vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms.

Digital & Online Banking

Convenient Online Services

Our online banking services are accessible 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. Whether you're at home or on the go, staying connected to your accounts is just a click away. You can also enjoy the convenience of electronic statements, making it easier to keep track of your finances without the clutter of paper.

Real-Time Management

With our mobile application available for download, you can manage your accounts in real-time. Need to send money to a friend? Our person-to-person transfer service makes it simple and fast. You can also access e-statements directly through the app, giving you instant insight into your financial health. At United Savings, we are committed to providing accessible and user-friendly digital banking solutions tailored to meet the needs of our members. Experience the ease of managing your finances with us today!

Secure Transactions

We prioritize your security with features like electronic signature authorization, which ensures that your transactions are safe and verified. Plus, our mobile payments feature lets you make quick purchases right from your smartphone, adding another layer of convenience to your everyday life.

Financial Strength

At United Savings, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing a strong foundation for your financial needs, ensuring that you can trust us as your partner in achieving your goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $15,086,255, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.65% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $19,689,671 in share certificates and $21,591,094 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $10,928,131 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $16,125,108 in used auto loans and an impressive $85,047,969 in total loans and leases. Our operational efficiency is reflected in our net income of $854,071, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 31 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (funds available for lending and investments) stand at $5,274,732, while total share accounts have reached 14,281, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United Savings is your trusted partner. Visit us at 1001 1St Ave N Fargo Nd 58102 or call 701-235-2832 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $20,612,508 in used vehicle loans and $2,873,281 in new vehicle loans already helping members get on the road. We make it easy to drive away in your desired vehicle with flexible terms and competitive interest rates.

Credit Lines

For those who prefer having access to funds when they need them most, our total credit lines amount to $22,614,149. This can be a great solution for anyone looking to cover both planned and unplanned expenses without hassle. If you're considering refinancing options or want to check your eligibility for any of our loan products, please visit our website at www.unitedsavingscu.org for more information. Our dedicated staff is here to help you find the best financial solutions that suit your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At United Savings, we're committed to supporting you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $10,381,226, make buying or refinancing simple. Whether you are purchasing your first home or looking to refinance an existing mortgage, our team will guide you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,885,798 in loans helping members manage their finances effectively. This option provides you with the convenience and flexibility needed for daily purchases or unexpected expenses.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This adherence ensures that users receive fair and transparent offers, making it easier to navigate the loan landscape confidently.

UNITED SAVINGS CREDIT UNION - Fargo, ND

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