United Savings Fargo ND Credit Union | Best Auto Loans & Mortgage Rates

Introduction

Welcome to United Savings, your trusted financial partner located at 2940 University Dr N, Fargo, ND 58102. Since our establishment in 1935, we have dedicated ourselves to serving our community with integrity and a commitment to excellence. With over 7,200 members and total assets exceeding $119 million, we are proud to offer a range of services designed to meet the unique needs of our members. At United Savings, we believe that banking should be personal. That's why we offer tailored solutions such as checking and savings accounts, auto loans, and mortgage financing all with competitive rates and friendly service. Our commitment extends beyond just numbers; it's about building relationships within our community. We are here to support you in achieving your financial goals. While members can visit us at our branch location, official correspondence should be sent to 1001 1st Ave N, Fargo, ND 58102. Under the leadership of CEO Jim Schaefbauer and Board President Keith Hansen, our team of 32 employees is ready to assist you during our lobby hours from 7:30 AM to 5:30 PM, Monday through Friday. Whether you're looking for guidance on personal finance or seeking business loan options, we invite you to explore what United Savings can do for you. Feel free to reach out by calling us at 701-232-0828 or visit our website at unitedsavingscu.org. Join us today and experience the difference of being part of a credit union that truly cares!

Branch History & Mission

Welcome to United Savings, a cornerstone of the Fargo community since 1935. Nestled at 2940 University Dr N, Fargo, ND 58102, our branch has been dedicated to empowering members through strong financial services and community support for nearly nine decades. From our humble beginnings, we have grown into a trusted credit union with a total membership of 7,219 and assets exceeding $119 million. Our mission is simple yet profound: to provide our members with exceptional financial products while fostering a spirit of community engagement and support. We understand that financial wellness is not just about numbers; it's about building relationships and supporting one another in achieving personal goals. Whether it's helping you secure an auto loan or guiding you through your first mortgage, our team is here to ensure that your journey is smooth and rewarding. Over the years, United Savings has evolved alongside technological advancements to better serve you. We now offer online banking, mobile payments, and electronic statements for your convenience. Our commitment to accessibility includes ADA compliance and a user-friendly approach to all services. With ATM availability and drive-thru banking options, we make it easy for you to access your funds whenever you need them. While members can visit us at our main branch location, official correspondence should be sent to our mailing address at 1001 1st Ave N, Fargo, ND 58102. We encourage all community members to join us in making Fargo a better place through various outreach programs and partnerships that support local initiatives. As we look to the future, we invite you to be part of our story. Experience the benefits of membership at United Savings where your financial dreams are nurtured in a supportive environment. Join us today and let's thrive together! For more information about membership eligibility or to open an account, please visit our website. You can also reach us at 701-232-0828 during our operating hours from Monday to Friday, 7:30 AM to 5:30 PM.

Branch Location & Accessibility

Accessibility and Parking

At United Savings, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spots for those who may need them. You can easily park in our spacious lot without any hassle.

Operating Hours

We are here for you during the week! Visit us Monday through Friday from 7:30 AM to 5:30 PM. Whether you have a quick question or need assistance with a loan application, our team is ready to help during these hours.

Services Offered

Our branch provides a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Need cash on the go? Enjoy access to our ATM right on-site! For those who prefer face-to-face interaction for simple transactions, our drive-thru service is also available. While members can visit us at 2940 University Dr N, official correspondence should be sent to 1001 1st Ave N, Fargo, ND. Feel free to reach out by calling us at 701-232-0828 if you have any questions or need assistance before visiting. We invite you to come see us at United Savings where your financial success is our priority!

Member Eligibility

At United Savings, we believe that joining our community should feel welcoming and inclusive, like becoming part of a supportive family. Becoming a member is straightforward! If you live, work, or attend school in the Fargo area, you're already eligible to join us. We also welcome immediate family members of existing members. By choosing United Savings, you gain access to an array of financial services designed with your needs in mind think personalized support, competitive rates on loans, and tools for managing your finances effectively. Ready to take the next step? Opening an account is simple! Just head over to our membership page for all the details about eligibility and what documents you'll need. If you have any questions or want assistance, don't hesitate to call us at (701) 232-0828. We're here to help!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services tailored for your operational needs. Picture this: easily accepting payments from customers through various channels be it online, over the phone, or in person. Our merchant services simplify transactions and help you manage cash flow effectively, ensuring you can focus on what matters most growing your business. Located at 2940 University Dr N Fargo Nd 58102, Fargo, ND, we invite you to explore how United Savings can be a partner in your business journey. Reach out today at (701) 232-0828 to learn more about how we can support your ambitions!

Tailored 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.

Comprehensive List Of Services

ATM & Cash Services

Need quick access to cash? With our ATM services available at multiple locations, including at our branch, withdrawing cash or checking balances has never been easier. Plus, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your car. At United Savings, we believe that everyone deserves access to quality financial products and services tailored just for them. If you have questions or need assistance, don't hesitate to reach out at (701) 232-0828 or visit us during our operating hours from Monday through Friday between 7:30 AM and 5:30 PM. Ready to take the next step? Explore all that we offer by visiting us online at https://www.unitedsavingscu.org or stop by our branch at 2940 University Dr N Fargo Nd 58102 today!

Business Banking Options

For local businesses, our business banking services include merchant services and business loans. We understand the challenges small businesses face and are committed to providing solutions that help them thrive.

Credit Cards with Rewards

Our credit cards come with rewards that let you earn points on everyday purchases. This means every time you swipe, you're closer to redeeming exciting rewards that fit your lifestyle.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why our online and mobile banking services make it easy for you to manage your finances anytime, anywhere. From checking balances to transferring funds or making payments, everything is just a few taps away on your device.

Home Loans Made Easy

If buying a home is on your agenda, our mortgage loans and refinancing options simplify the process. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, we provide personalized guidance to ensure you find the best solution for your situation.

Personal Banking Solutions

For those looking to manage their finances effectively, our personal banking services include checking and savings accounts designed with you in mind. Imagine having a checking account that makes daily transactions easy and straightforward while also offering competitive interest rates on savings accounts to help you grow your money.

Personal Loans & Debt Management

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation services tailored to help you regain control over your finances. Whether it's funding a major expense or consolidating debt into one manageable payment, we've got you covered.

Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it possible for you to hit the road without breaking the bank. With flexible terms and competitive rates, we can help turn your dream of owning a vehicle into reality.

Digital & Online Banking

At United Savings, we understand that managing your finances should be easy and secure, no matter where you are. That's why we offer a full suite of digital and online banking services designed to give you control at your fingertips. With our online banking platform, accessible at https://www.unitedsavingscu.org, you can check balances, make transfers, and pay bills anytime, day or night. Our 24/7 online banking services mean that you can handle your financial tasks when it's most convenient for you. Want to send money to a friend? Our person-to-person transfer feature makes it simple and fast. Plus, with our mobile application available, managing your account on the go has never been easier. Security is our top priority. We utilize electronic signature authorization to ensure your transactions are safe and secure. You can feel confident knowing that your personal information is protected every step of the way. Additionally, we offer e-statements, allowing you to view and manage your account statements digitally no more paper clutter! For those who prefer modern payment methods, our mobile payments feature enables you to make purchases right from your smartphone. This adds an extra layer of convenience whether you're shopping in-store or online. At United Savings, we believe in making banking accessible and user-friendly for everyone. With real-time account management tools and features tailored to meet your needs, keeping track of your finances has never been easier. Dive into a world where banking is at your command with just a few clicks!

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 understand that trusting your financial institution is paramount, and we are proud to showcase the strong foundation that supports our commitment to you. 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 is robust; with $16,162,508 in used auto loans and a total of $85,047,969 in loans and leases available for our members' financial goals across various sectors. Our operations reflect our efficiency with a 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. The trust placed in us by our members is evident with a total of 14,281 share accounts, showcasing a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending and investments stand at $5,274,732. 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 2940 University Dr N Fargo Nd 58102 or call 701-232-0828 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 also provide refinancing options for current auto loans if you're seeking better terms.

Commercial Loans

For business owners, our outstanding commercial loans totaling $4,705,425 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are here to support you every step of the way. At United Savings in Fargo, ND (2940 University Dr N), our friendly staff is ready to assist you with any questions regarding our loan offerings. You can reach us at 701-232-0828 during our lobby hours from Monday to Friday 7:30 AM - 5:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how we can help meet your financial needs by visiting our website at unitedsavingscu.org.

Credit Lines

For those who prefer more flexibility, our total credit lines amount to $22,614,149. These lines allow you to access funds as needed while only paying interest on what you use.

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. We can assist you in navigating the home-buying process and offer competitive rates tailored to your needs.

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 an easy way to cover unexpected expenses while building your credit score.

Loan Aggregator

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UNITED SAVINGS CREDIT UNION - Fargo, ND

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