Credit union · NCUA insured
Northern Valley Federal Credit Union
A $18.5M credit union headquartered in Grand Forks, ND, with 1,467 members and 1 branch in North Dakota. Best rates: CDs 3.63% and savings 0.75% APY.
Northern Valley Federal Credit Union Carrot Score
86
Carrot Score
Higher than 75% of U.S. banks and credit unions
#5 of 15 in Grand Forks, ND-MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Northern Valley Federal Credit Union
Chartered in 1936, Northern Valley Federal Credit Union is a member-owned, not-for-profit financial cooperative based in Grand Forks, North Dakota.
The credit union was founded to serve the financial needs of the Grand Forks and Polk County communities.
- Headquarters
- 3030 Demers Ave, Grand Forks, ND 58201
- NCUA charter
- 1344
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Grand Forks County and Polk County.
Cost to join
- A $5 minimum deposit into a savings account is required to join.
Branches
1 branch in North Dakota
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North Dakota
1 branch
- Northern Valley FCUMain office3030 Demers Ave, Grand Forks, ND 58201Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.25% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.04% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.88% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $70 | $59 | — |
- CapitalNet worth ratio13.25%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.04%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.88%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$70Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Northern Valley Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.