Business Details
Your Member-First Financial Partner in Fargo, ND
At Fargo VA Federal Credit Union, we prioritize our members above all else, treating each individual as a valued partner rather than a mere account number. Our mission centers on delivering financial products and services that foster economic growth and stability for both our members and the broader community. With a focus on long-term financial success, we offer tailored solutions including savings accounts, loans, and investment opportunities designed to meet diverse needs. Our commitment extends beyond transactionswe actively engage in community development initiatives to promote prosperity. As a federally-insured institution, we adhere to rigorous standards of transparency and fairness, ensuring members receive reliable, ethical service.Through personalized financial counseling and innovative tools like mobile banking, we empower informed decision-making. Our team of dedicated professionals brings decades of local expertise to every interaction, prioritizing clear communication and accessibility. Whether you're seeking a share certificate with competitive rates or a home equity loan, we provide transparent terms and flexible options. By maintaining a member-first philosophy, we aim to build lasting relationships rooted in trust and mutual growth. Our office in Fargo, ND, serves as a hub for financial education and community engagement, reflecting our deep roots in the region.
Services
Savings Accounts
Vehicle Loans
Home Equity Loans
Credit Cards
Financial Counseling
IRAs
Mobile Banking
Notary Services
Wire Transfers
ATM Network
Highlights and features
- We offer personalized financial counseling to meet individual needs
- Our competitive share certificate rates outperform traditional banks
- We specialize in community-focused lending solutions for local residents
- Our team provides transparent loan terms with flexible deferment options
- We maintain a 24/7 digital banking platform for member convenience
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Share Certificates
Our Share Certificates offer competitive interest rates with terms starting at 2 months and a $1,000 minimum deposit. These federally-insured savings vehicles provide secure growth opportunities for short-term and long-term financial goals. Members benefit from predictable returns while maintaining access to specialized options like Christmas/vacation clubs.
Home Equity Loans
At 6.50% APR, our home equity loans provide affordable access to home equity with fixed-rate terms. Designed for Fargo area homeowners, these loans support major expenses while maintaining compliance with federal lending standards. We offer personalized payment plans and transparent fee structures.
Financial Counseling
We provide free financial counseling services to help members create budgets, manage debt, and build savings strategies. Our certified advisors offer personalized guidance through in-person consultations and digital resources, focusing on long-term financial literacy and stability.
Vehicle Loans
Our vehicle loan program features competitive rates for new and used car purchases with flexible term options. Members receive pre-approval assistance and blue book pricing references to ensure transparent transactions. Loan deferment options are available for qualified applicants.
Mobile Banking
Our mobile app enables 24/7 account management including remote check deposit, bill payment, and real-time transaction tracking. Security features include biometric authentication and instant card lock capabilities, providing convenient access to full banking services from any smartphone.
Questions
What loan deferment options are available during financial hardship?
We offer temporary payment deferment for qualified members experiencing financial challenges like government furloughs. Contact us directly to discuss eligibility requirements and documentation needs.
How can I report a lost credit card?
Call 800-325-3678 immediately to report lost or stolen VISA credit cards. Our 24/7 fraud monitoring team will secure your account and arrange for replacement card issuance.
Do you offer financial education resources?
Yes, we provide free financial counseling services and educational materials covering budgeting, debt management, and savings strategies through our Fargo branch and online portal.
What are your current share certificate rates?
Our 2-month share certificate offers 2.75% APY with a $1,000 minimum deposit. Special promotions and longer-term certificates provide additional growth opportunities for savers.
How do I access mobile banking features?
Download our mobile app from the App Store or Google Play, then log in with your online banking credentials to access remote deposit, bill payment, and account management tools.
