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Credit union · NCUA insured

Northern Valley Federal Credit Union Credit Card Rates

Northern Valley Federal Credit Union credit cards start at 8.49% APR on purchases, after any introductory rate. Rates checked October 22, 2026.

How Northern Valley Federal Credit Union’s credit card rates compare

Compared with banks and credit unions near Grand Forks, ND-MN, where Northern Valley Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • This credit union’s lowest

    Northern Valley Federal Credit Union

    8.49%APR

    Up to
    —

    Visa Credit Card

  • Top Carrot, Carrot Score 91

    2nd-lowest rate

    Service Credit Union

    11.90%APR

    Up to
    18.00% APR

    Service Credit Union rates

  • 3rd-lowest rate

    First International Bank & Trust

    14.99%APR

    Up to
    26.99% APR

    First International Bank & Trust rates

Compare credit card rates near you →

Northern Valley Federal Credit Union credit card score

89

Credit card score

Higher than 87% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR8.49%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Northern Valley Federal Credit Union ranks

By credit card score, in each area where it has branches

Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

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This may be incomplete or out of date, so check with the credit union before you apply.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