"Your Banking Alternative" Serving our members for over 85 years. Our Mission: To enrich the lives of our members. Wakota Federal Credit Union is a member-owned financial cooperative located in South St. Paul, MN. With over 5000 Shared Branches Worldwide available free of charge for deposits, withdrawals, loan payments and check cashing. We offer all the products and services a large bank has to offer, Wakota provides much more because we are member-owned, profits are returned to members in the form of higher savings dividends and lower loan rates. Plus you are not a number to us, we actually use your name! Wakota offers a wide range of products and services to help you achieve financial wellness. First and Second Mortgages, Consumer Loans (Auto, RV, Boat, Motorcycle, Jet Ski, Snowmobile, Computer, Unsecured), Personal and Small Business Checking, Savings (Kids Accounts, Senior Accounts, Basic Savings, Money Market, Certificates) NCUA Insured Deposits up to $250,000. We also offer Financial Planning and Investing, Auto Aquisition, Realtor and Small Business Services.