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How We Can Help
Auto & Recreational Loans
New auto from 5.00% APR, used from 6.00%. Recreational from 5.50%. Quick local decisions.
New Home or Refinancing?
Whether you are buying a new home or refinancing your existing mortgage, our dedicated team is committed to satisfying your home financing needs.
Checking
Free checking with no minimum balance, no monthly fees, and nationwide ATM access.
Savings
Build your future with competitive rates and NCUA-insured security up to $250,000.
Online & Mobile Banking
Manage your accounts anywhere. Mobile deposit, instant transfers, bill pay, and real-time alerts.
Membership
Open to anyone in Grand Forks County and Polk County.
Join with as little as $5.
Why Northern Valley?
Nearly 90 years of community banking. Every dollar goes back to better rates, lower fees, and stronger services for our members.
Local Decisions
Your loan application is reviewed right here in Grand Forks by people who know your community, not a distant call center.
$ K
Your savings are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency.
Today's Rates
Rates as of November 2026. Rates are illustrative and subject to change.
Rooted in Grand Forks Since 1936
Northern Valley Federal Credit Union is a member-owned, not-for-profit financial cooperative supervised by the National Credit Union Administration. For nearly 90 years, we have served the Grand Forks community with a simple promise: your money works for you, not shareholders. Every member is an owner, every deposit strengthens the community, and every decision is made locally by people who live here.
