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Credit union · NCUA insured

Northern Valley Federal Credit Union CD Rates

Northern Valley Federal Credit Union’s best CD rate is 3.63% APY on a 6-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 22, 2026.

How Northern Valley Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Grand Forks, ND-MN, where Northern Valley Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    Northern Valley Federal Credit Union

    3.63%APY

    Term
    6 months
    Minimum
    $1,000
    Earns on $10,000
    $180

    Certificate of Deposit

  • Top rate

    Unity Bank

    4.30%APY

    Term
    5 months
    Minimum
    $5,000
    Earns on $10,000
    $177

    Unity Bank rates

  • Top Carrot, Carrot Score 88

    2nd-highest rate

    Bell Bank

    4.30%APY

    Term
    17 months
    Minimum
    $500
    Earns on $10,000
    $615

    Bell Bank rates

Compare CD rates near you →

Northern Valley Federal Credit Union CD score

69

CD score

Higher than 24% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.63%
  • 9–15 months9–15 mo3.25%
  • 16–30 months16–30 mo2.00%
  • QualifiedQualified3.63%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Northern Valley Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Who can join Northern Valley Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.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.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
← Northern Valley Federal Credit Union overview