Deposit Accounts

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Checking Accounts

Share Draft Checking
Enjoy unlimited check writing and no minimum balance. Your first box of Credit Union checks is free. Instant Cash and Check card available at no charge.

Overdraft Protection
APR*: 10.95%

This is a line of credit designed to help prevent overdrafts. The funds are distributed in exact dollar amounts 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.


Instant Cash & Check Cards
These cards can be used in place of writing checks wherever Visa is accepted. You can use your card without a surcharge at any of our ATMs, located at Randy’s University Diner, Fargo South High School, Fargo North High School, Fargo Davies High School, Agassiz, Edgewood Vista, and our North and South Branches. The first eight ATM withdrawals per month are free, after eight there is a $1.00 fee per withdrawal. There is no annual fee for having the card. 


*Rate is subject to change. Rate is effective as of November 22, 2019.


If you have any other questions about our services, Contact Us.