Best Banks & Credit Unions in Fargo, North Dakota
Banks and credit unions serving Fargo, North Dakota. Compare up to 5.00% APY, fees, minimums and membership rules, dated when we read them.
This page covers banks, credit unions, and local branches available to residents of Fargo, North Dakota. All rankings inherit from the North Dakota state directory. Every institution listed is licensed to serve Fargo residents and is either headquartered in North Dakota or operates branches in the metro.
Top options in Fargo
- Service Credit Union: 5.00% APY. Primary Savings Account: Dividends paid on daily balances up to $500 at 5.00% APY; the balance above $500 earns 5.00%-0.25%; $5 in a Primary Savings Account establishes membership; APY accurate as of the last dividend declaration date of 11/16/2025. Read Sep 7, 2026 on servicecu.org.
- Empeople Credit Union: 4.15% APY. 12 Month Certificate: Minimum deposit of $500 required to open the certificate and earn dividends; penalty for early withdrawal; rate accurate as of today's dividend declaration. Read Sep 7, 2026 on empeople.com.
- Service Credit Union: 4.00% APY. 12 Months Share Certificate: $500.00 minimum daily balance to obtain APY; rates accurate as of 08/01/2026; penalty for early withdrawal. Read Sep 7, 2026 on servicecu.org.
- Magnifi Financial: 3.80% APY. 12 Month Certificate: $500-$24,999 tier of the standard certificate table; Effective Date 8/19/2026; read on mymagnifi.org/rates/rates-certificates.html; a limited-time Pick Your Term certificate pays 4.25% APY for 17 months. Read Sep 7, 2026 on mymagnifi.org.
- Town & Country Credit Union: 3.75% APY. 12 Month CD: $500 minimum; interest compounded and paid monthly on average daily balance; penalty for early withdrawal; read on townandcountry.org/personal/accounts/cds-money-markets. Read Sep 7, 2026 on townandcountry.org.
- Credit Union 1: 3.25% APY. 12 Months Share Certificate: $1,000 minimum balance to open and earn dividends; standard Share Certificate table, not the 7-month (3.85% APY) or 15-month (3.70% APY) limited-time specials; last dividend declaration date April 29, 2026; 90 days' dividends early withdrawal penalty. Read Sep 7, 2026 on creditunion1.org. Rates as of 2026-04-29 per the page.
Banks with more than one branch in Fargo
Each opens every one of that bank's offices in Fargo, with the address of each and what it holds.
- Gate City Bank in Fargo: 10 branches
- Bell Bank in Fargo: 7 branches
- U.S. Bank National Association in Fargo: 6 branches
- JPMorgan Chase Bank, National Association in Fargo: 3 branches
- Wells Fargo Bank, National Association in Fargo: 3 branches
Other North Dakota cities
See the full North Dakota banks directory for every institution we've verified in the state, plus the underlying methodology.