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About Wakota Federal Credit Union

Wakota FCU is proud to be Dakota County's member-owned financial alternative!


At Wakota Federal Credit Union, you are more than just another account number you are a member-owner at a local not-for-profit financial cooperative.

We’re working diligently to become Dakota County’s financial institution of choice with a wide-range of personalized products and specialized services. With money management tools and security that keeps your money safe and transactions convenient, we are your bridge to a successful financial future.

Branch Hours & Locations

Our staff at Wakota FCU is eager to help. Stop in or call is at 651-451-3330

Main Office

Wakota Federal Credit Union Click here for a map.
1151 Southview Blvd.
South St. Paul, MN 55075
Tel: 651-451-3330 | Fax: 651-451-1385

Lobby and Drive-thru: M-Th 9 am – 4:30 pm | Fri 9 am – 6 pm 

Drive-thru ONLY: Sat 9 am – 12 noon | Limited Services Available.  Call or Schedule Appt online

Call Center: M-F 7 am-7 pm | Sat 7 am-4:30 pm

Night Drop: Our after-hours deposit is located on the east side of the building, just before the drive-up window.

ATM:  ATM machine is located in the first lane of the drive-up, surcharge free for Wakota FCU debit or ATM cards!

Lost/Stolen Card?

ATM or Debit Card Emergency Number: 1-800-535-8440

VISA Credit Card Emergency Number: 1-800-558-3424

Co-Op Shared Branches
We have thousands of Shared Service Branches across the country for our members to conduct transactions. With CO-CO-OP Shared Branch logoOP Shared Branch, credit unions nationwide share facilities to give members thousands of convenient locations to perform transactions as if they were at their home credit union.

To take advantage of this service, when you enter a shared branch, you need to know your account number, the primary name on account and carry a valid government-issued photo identification, i.e., State Driver’s license or U.S. Passport.

Surcharge-Free ATM Network
Wakota FCU is proud to offer members access to surcharge-free ATMs located across the United States and Puerto Rico.

You can use your Wakota Debit or Cash Card at ATMs listed on the link below without paying a surcharge . Our primary ATM location is at our main office on 1151 Southview Blvd which is open 24/7/365.

Use the Surcharge-Free ATM Locator to find an ATM near you.

Xtend CU Shared Branches
xtend_sharedBranch-logoShared Branching gives you convenient access to your credit union accounts. Just look for the Xtend CU Shared Branch logo at over 250 credit union locations and you can perform transactions like:

  • Withdrawals
  • Deposits
  • Loan Payments
  • Transfers
  • Balance Inquiries

For a complete listing of locations and hours, search the directory.

Careers at Wakota FCU

Employment and volunteer opportunities for enthusiastic workers

Volunteer Positions

CALLING ALL CANDIDATES!! Are you interested in giving back by volunteering at your credit union? 

Wakota FCU is seeking volunteers to represent our diverse community membership. Regardless of race, creed, age, nationality, gender or socioeconomic status.

As member-owned organizations, credit unions in general, and Wakota FCU in particular, have always advocated for their members and their rights. This was true 93 years ago when Wakota FCU was founded to serve the diverse workers in South St Paul and their families , and it’s true today as we continue to serve the diverse community of Dakota County.

Current Openings

If you have any questions or want more information, please contact us at 651-451-3330 or info@wakotafcu.org.

About Wakota FCU, the employer.

Wakota FCU offers a competitive wage & benefit package including a 401(k) savings plan.  If you want to join a growing organization and a winning team with a strong mission and a collaborative, supportive work environment, please indicate position of interest and submit your resume in confidence for consideration to us using the address listed below.

Wakota Federal Credit Union is an Equal Opportunity Employer

Wakota Federal Credit Union
1151 Southview Blvd.
South St. Paul, MN 55075

Membership at Wakota FCU

At Wakota Federal Credit Union, you're not a customer; you're a face, a name and an OWNER!

Who Can Join

Wakota Federal Credit Union has a limited field of membership.

You can join Wakota Federal Credit Union if...
  1. You live, work, worship, volunteer or attend school in Dakota County, Minnesota  – OR –
  2. You live in the same household as a current member –OR-
  3. You are related to a current Member by blood, adoption or marriage.

Membership is a great gift for your children or grandchildren. 

Once a Member, Always a Member!
Even if you leave the job or home that originally made you eligible for membership, you and your family may continue to  belong to the Credit Union. In fact, even after a member passes away their entire family is still eligible to join Wakota Federal Credit Union.

Your Business Is Welcome 
If you’re a business or other entity (scouts, hockey club, etc.) in Dakota County, you can join us too!

Member Discounts

Wakota FCU members can save money AND support our local businesses. Read more about these special offers from businesses in our community.

Discount providers include...


Love My Credit Union Rewards

Wakota FCU members can save on a variety of products and services you use every day such as TurboTax, H&R Block, and more through Love My Credit Union Rewards. Click here to see how being a member can save you money.

Liberty Mutual

Liberty Mutual offers discounts on auto, home, and renters insurance to eligible Wakota FCU members. Get a free insurance quote online, or mention that you are a credit union member when you talk to our Liberty Mutual personal sales representative.  Click here to get started.

Brian Bury
Lead Sales Representative | MN License # 40165525
Contact here | Office 612-656-7381

Brian will be onsite at our South St. Paul location on 2/24, 5/19, 8/11, 11/17.

Open an Account

Click here to complete our safe and secure membership application. Before your membership is approved, you will need to provide photocopy of your valid drivers’ license or photo identification. You will also need to make an opening deposit of at least $5. We’ll process your application within two business days.

Why Join?

Wakota FCU is a member-owned financial cooperative. Our profits are returned to our members in the form of higher savings dividends and lower loan rates.  Come Join Us!

History of Wakota FCU

Where you come from matters.

Our History

In 1931, Armour and Company formed the Armour St. Paul Employees Credit Union. The credit union was located in the business office of the meat packing plant. The credit union’s primary sponsor, “Armour Foods” in South St. Paul, closed and moved its processing plant to Iowa in 1979. No longer obtaining new members from the former primary sponsor, the credit union decided to convert to a community charter. In 1995 the credit union merged with the South St. Paul Employees Credit Union. Then in 1997 our name was changed to Wakota Federal Credit Union. The name Wakota is derived from a bridge in South St. Paul that connects Washington and Dakota Counties, a name that South. St. Paul residents could identify with. Wakota FCU’s present field of membership was amended in 2003 and consists of “persons who live, work, worship, volunteer, attends school in and businesses and other legal entities located in Dakota County, MN. And members of their immediate family.”

Grassroots Call-to-Action

Help credit unions survive and thrive in today’s legislative environment. Sign up to be a GREAT Advocate today!

Cooperative Principles and the Credit Union Difference

Our values are of the utmost importance, they defines who we are!

What’s a Credit Union?

Credit unions became popular during the Great Depression as Americans searched for financial solutions outside of banks. Wakota FCU was founded in 1931 as part of that movement. Our commitment to community involvement remains strong to this day. Credit unions are member-owned, and as a result they’re generally more conservative with their investments than banks. With no stockholders to demand quarterly profits, it’s easy for credit unions to eschew risky loans like subprime mortgages. Credit unions like Wakota FCU provide a community-driven approach to financial responsibility.

Source: asmarterchoice.org

We are a cooperative. We are YOUR credit union.

Cooperatives around the world operate according to the same core principles and values. Listed below are the seven core cooperative principles that we follow for the greater good of our community, credit union and members.


Important information you should know
View our Terms of Use here

The Wakota Federal Credit Union Web Site is available for you dependent upon your acceptance
without modification of the terms, conditions, and notices contained herein. Your use of the Wakota
Federal Credit Union Web Site establishes your consent to all such terms, conditions, and notices.

Restrictions to Prohibited or Unlawful Use:

You are restricted from using the Wakota Federal Credit Union Site/Services for any purpose that is
unlawful or prohibited by these terms, conditions, and notices. You are prohibited from using the
Wakota Federal Credit Union Site/Services in any manner which could impair, incapacitate, overload, or
damage any Wakota Federal Credit Union Site/Service(s) or the network(s) connected to any Wakota
Federal Credit Union Site/Service(s) or interfere with any other party’s use and benefit of any Wakota
Federal Credit Union Site/Service(s). You are prohibited from attempting to gain unauthorized access to
any Wakota Federal Credit Union Site/Service, other accounts, computer systems or networks
connected to any Wakota Federal Credit Union Site/Service, through hacking, password mining or any
other means. You may not obtain or attempt to obtain any materials or information through any means
not intentionally made available through the Wakota Federal Credit Union Sites/Services.

Commercial Use Restriction:

Unless otherwise specified, the Wakota Federal Credit Union Site cannot be used for commercial use
and is for your personal and non-commercial use. You may not transfer, change, reproduce, replicate,
distribute, transmit, display, perform, publish, license, or monetize any information, software, products
or services obtained from the Wakota Federal Credit Union site.

Links to 3rd Party Sites:

The Wakota Federal Credit Union Site/Services may contain links to 3rd party Web sites (“Linked Sites”).
The Linked Sites are not controlled by Wakota Federal Credit Union and Wakota Federal Credit Union is
not accountable for the contents of any Linked Site, including without limitation any link contained in a
Linked Site, or any modifications to a Linked Site. Wakota Federal Credit Union is not responsible for
webcasting or any other form of transmission received from any Linked Site nor is Wakota Federal Credit
Union accountable if the Linked Site is not working correctly. Wakota Federal Credit Union provides
these links to you only as a convenience, and the inclusion of any link does not imply endorsement by
Wakota Federal Credit Union of the site or any association with its operators. You are responsible for
viewing and complying with the privacy statements and terms of use posted at the Linked Sites. Any
dealings with third parties (including advertisers) included within the Wakota Federal Credit Union
Site/Services or participation in promotions, including the delivery of and the payment for goods and
services, and any other terms, conditions, warranties or representations associated with such dealings
or promotions, are solely between you and the advertiser or other third party. Wakota Federal Credit
Union shall not be responsible or liable for any part of any such dealings or promotions.

Access/Termination Restriction:

Wakota Federal Credit Union reserves the right to discontinue your access to the Wakota Federal Credit
Union Site/Services and the related services or any portion thereof at any time, without notice.
Wakota Federal Credit Union may also discontinue or suspend your access to Wakota Federal Credit
Union Site/Service(s) for inactivity, which is defined as failing to log into a particular service for an
extended period of time, as determined by Wakota Federal Credit Union. Upon termination of the
Wakota Federal Credit Union Site/Service, your right to use the Wakota Federal Credit Union
Site/Service immediately ceases. Wakota Federal Credit Union shall have no obligation to maintain any
content or to forward any unread or unsent messages to you or any third party.

Updates to these Terms of Use:

Wakota Federal Credit Union has the right to update the terms, conditions, and notices under which the
Wakota Federal Credit Union Site/Services are offered. You are responsible for periodically reviewing
these terms and conditions and additional terms. Your ongoing use of the Wakota Federal Credit Union
Site/Services establishes your consent to all such terms, conditions, and notices.

Any rights not expressly granted herein are reserved.

View our Website Privacy Policy here

Website Privacy Policy

Wakota Federal Credit Union uses Google Analytics to track visitor statistics on wakotafcu.org. Google Analytics records:

  • What website you came from to get here
  • How long you stay
  • What kind of computer you’re using
  • And quite a bit more

Occasionally, we review these statistics to learn more about the number of visitors this site receives and browsers being used. No personally identifying data is included in this type of reporting. All activity falls within the bounds of the Google Analytics Terms of Service .

Want to opt out of tracking?
You can opt out of Google’s advertising tracking cookie or use a browser plugin to opt out of all Google Analytics tracking software .

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. Personal information gathered from e-mail sent by website visitors may be used by staff to answer questions, follow-up on suggestions or to provide a product or service. This information is never sold to third parties. You should never send confidential information such as account numbers, credit card numbers or requests for financial transactions via e-mail. If you wish to communicate personal information, contact us by phone or mail using the contact info on this page. To provide you with greater access of information, wakotafcu.org also contains external links to other websites. While we hope these organizations join us in respecting your privacy, we are not responsible for the content or privacy practices of these other websites. If you have questions or comments about our website privacy practices, please contact info@wakotafcu.org.

Embedded content from other websites
Articles on this site may include embedded content (e.g. Google maps.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website. These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Where we send your data
Visitor comments may be checked through an automated spam detection service.

Thank you so much for visiting our website!

View our Member Privacy Policy here
Click here to access the Member Privacy Policy.
Service Fees

View the most up-to-date Fee Schedule here.

Your deposits at Wakota FCU are insured to at least $250,000 by the National Credit Union Administration, an agency of the U.S. government.

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