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Become a Member of Ft. Randall Federal Credit Union
Join Ft. Randall Federal Credit Union and Start Banking Smarter
At Ft. Randall Federal Credit Union, we believe everyone deserves access to financial services that are personal, affordable, and community-focused. Joining our credit union means becoming part of a member-owned financial cooperative dedicated to helping you reach your financial goals—whether that’s buying a home, saving for the future, or managing day-to-day expenses with ease.
Why Choose Fort Randall FCU?
Unlike big banks, our credit union puts members first. When you join Fort Randall FCU, you’re not just opening an account—you’re gaining a partner that values your financial well-being. Our members benefit from lower fees, competitive rates on loans and savings, and access to a wide range of services designed with your needs in mind.
We serve individuals and families across Brule, Bon Homme, Charles Mix, Douglas, Gregory, and Hutchinson counties. Whether you’re a student just starting out, a growing family, or a local business owner, our personalized approach ensures you receive the support and tools you need to succeed financially.
Learn more about making the switch by reading our Switch Kit.
Member Benefits
Becoming a member unlocks access to convenient checking and savings accounts, flexible loan options like RV and home improvement loans, credit builder programs, and secure online and mobile banking. Plus, with free access to ATMs and local branch support in Wagner and Platte, managing your money has never been easier.
Membership Eligibility
Membership is open to anyone who lives, works, worships, or attends school in our six-county service area. Joining is easy, and our friendly staff will help you find the right account options for your lifestyle. We also welcome immediate family members of current credit union members, expanding our community one family at a time.
How to Join
Joining Ft. Randall FCU is simple and fast. Start by opening a membership savings account with a minimum deposit, which establishes your ownership in the credit union. From there, you can apply for additional products and services tailored to your financial goals.
You can join online by filling out our secure application form or visit one of our conveniently located branches in Wagner or Platte for in-person assistance. Our staff will guide you through every step, ensuring your transition to Ft. Randall FCU is seamless and stress-free.
Frequently Asked Questions
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Anyone who lives, works, worships, or attends school in Brule, Bon Homme, Charles Mix, Douglas, Gregory, or Hutchinson County is eligible to become a member. Immediate family members of current members may also qualify.
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Visit our Platte or Wagner branch with a valid photo ID and proof of eligibility. Staff will help you open your account and explain available products.
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As a member, you'll have access to competitive share draft and share accounts, affordable loan options, online and mobile banking, debit and credit cards, and personalized service from a local team that's invested in your financial success.
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Minimum balance requirements vary by account type. Contact Fort Randall Federal Credit Union to determine which account best fits your needs.
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You'll typically need a valid government-issued photo ID, your Social Security card or Tax ID letter, and proof that you're eligible for membership. Additional documentation may be required depending on the type of account you're opening.
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A $25 minimum opening deposit is required to open a regular share account and become a member of Fort Randall Federal Credit Union. Members must maintain a minimum $20 balance in the account to use the credit union’s services.
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Yes. Once you're a member, you can open additional share accounts, share draft accounts, certificates, loans, credit cards, and other eligible products as your financial needs grow.
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Yes. Once you become a member, your membership stays with you even if you move outside the eligible counties, as long as your account remains in good standing.
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Yes. Immediate family members of current Fort Randall Federal Credit Union members may also be eligible to join.
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In most cases, opening an account only takes a short amount of time when you have the required identification and documentation with you.
Why Ft. Randall Federal Credit Union?
Competitive Loan Rates
Quick Decisions Made Locally
Personalized, Friendly Service
Transparent Terms and No Pressure
We treat our members like family, not account numbers. That’s why so many of our members come back to us again and again—because we truly care.
Becoming a member of Fort Randall Federal Credit Union is your first step toward smarter banking and stronger financial health. With personalized service, competitive products, and a commitment to your community, we’re here to support you through every financial milestone.
Ready to join? Apply online or stop by one of our local branches. Experience the difference of a credit union that truly cares — join Fort Randall FCU today and become part of a community where your financial success matters most.
Start Your Membership
