North Dakota Federal Credit Union Routing Number

How to Use This Routing Number

The routing number 098779973 identifies North Dakota Federal Credit Union for electronic transactions. You will need this number to:

• Set up direct deposit with your employer
• Receive wire transfers from other banks
• Pay bills online via ACH transfer
• Link external accounts to your North Dakota Federal Credit Union account

Wire Transfer vs ACH

For domestic wire transfers, use routing number 098779973. For international transfers, you will also need the SWIFT code .

ACH transfers (for payroll, bills, etc.) typically use the same routing number but may take 1-3 business days to process, while wire transfers are same-day.