Member-Owned Since 1936
Northern Valley Federal Credit Union was chartered in 1936 to serve the financial needs of the Grand Forks community. For nearly 90 years, we have operated as a member-owned, not-for-profit financial cooperative — meaning every dollar we earn goes back to our members through better rates, lower fees, and stronger services.
Unlike a bank, we don't answer to shareholders. Our members are our owners, and every member has an equal vote in how the credit union is run, regardless of how much they have on deposit.
Our Mission
To provide affordable, trustworthy financial services to the Grand Forks County and Polk County community while maintaining the personal relationships and local decision-making that have defined us since our founding.
Membership
Polk County membership is open to anyone who lives, works, worships, or attends school in Grand Forks County. Joining is simple — open a savings account with as little as $5 and you're a member-owner.
- No minimum balance requirements on most accounts
- No monthly maintenance fees on checking or savings
- NCUA-insured deposits up to $250,000
- Local decision-making on all loan applications
Community Roots
We're proud to be part of Grand Forks. Our team lives here, banks here, and invests in the same community our members call home. From youth financial literacy programs to local sponsorships, we believe a credit union's purpose extends beyond financial services.
Frequently Asked Questions
Anyone who lives, works, worships, or attends school in Grand Forks County and Polk County is eligible. You can enroll online or visit our branch at 3030 Demers Ave. A $5 minimum deposit opens your membership.
Yes. Northern Valley Federal Credit Union is federally insured by the National Credit Union Administration (NCUA). Your deposits are insured up to $250,000, backed by the full faith and credit of the United States Government.
Yes. Our online banking and mobile app let you check balances, transfer funds, deposit checks by photo, pay bills, and set up real-time account alerts — all from your phone, tablet, or computer.
Shut off your card in the mobile app or Internet Banking. Call us immediately at 701-772-7922 during business hours. After hours, call 1-833-933-1681. If calling from outside the U.S., use 812-647-9794.
