Credit union · NCUA insured
Riverfork FCU
A $31M credit union headquartered in Grand Forks, ND, with 2,130 members and 1 branch in North Dakota. Best rates: CDs 3.80% and savings 0.80% APY.
Riverfork FCU Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#8 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 Riverfork FCU
Founded in 1959 by City of Grand Forks employees, Riverfork Federal Credit Union is a member-owned financial cooperative governed by an elected volunteer board of directors.
Originally named Grand Forks City Employees Federal Credit Union, it adopted its current name in 1990 and serves 21 employer groups in the Grand Forks and East Grand Forks area.
- Headquarters
- 711 N Washington St, Grand Forks, ND 58203
- NCUA charter
- 13067
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Riverfork Federal Credit Union are eligible for membership.
- Employees of Northern Tier Seed Company, P.D. Sproule co., or Sproule Farms who work in Grand Forks, North Dakota are eligible for membership.
- Employees and directors of Red River Valley Community Action (formerly Quad County Community Action Agency) who work in or are supervised from Grand Forks, North Dakota are eligible for membership.
- Employees of Rhino Contracting who work in Grand Forks, North Dakota are eligible for membership.
- Employees of specified entities (Aatrix Software, Inc., Development Homes Inc., Farroh Law Office, Home of Economy, Minnkota Power Cooperative, Nodak Electric Cooperative, North Dakota Mill and Elevator, US Waste, or Young Manufacturing, Inc.) who work in or are supervised from Grand Forks, North Dakota are eligible for membership.
Military, government and schools
- Employees of the City of East Grand Forks who work in East Grand Forks, Minnesota are eligible for membership.
7 more ways to join
Military, government and schools
- Employees of the City of Grand Forks and of the Park District of Grand Forks who work in Grand Forks, North Dakota are eligible for membership.
- Employees of the County of Grand Forks who work in Grand Forks County, North Dakota are eligible for membership.
- Employees of the State of North Dakota who work in the County of Grand Forks are eligible for membership.
Family and household
- Members of the household or immediate families (including spouse, child, sibling, parent, grandparent, or grandchild, including step and adoptive relatives) of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Persons retired as pensioners or annuitants from qualifying employment are eligible for membership.
Branches
1 branch in North Dakota
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North Dakota
1 branch
- Riverfork Federal Credit UnionMain office711 N Washington St, Grand Forks, ND 58203Directions
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 | 13.91% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.70% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.48% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $46 | $59 | — |
- CapitalNet worth ratio13.91%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.70%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.48%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$46Peers’ 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 Riverfork FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.