|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Northern Valley Federal Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 2, 2026
Northern Valley Federal Credit Union's 12 Month CD rates are at 3.25%, 6 Month CD rates are at 3.25%, 24 Month CD rates are at 2.00%. Northern Valley Federal Credit Union's savings rates are at 0.75%. MonitorBankRates evaluates the financial stability of Northern Valley Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.14%. Rates were last updated on 03/02/2026. Northern Valley Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Northern Valley Federal Credit Union? Share your experience about Northern Valley Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Northern Valley Federal Credit Union. Northern Valley Federal Credit Union
Northern Valley FCU 3030 Demers Ave
https://northernvalleyfcu.com Grand Forks, ND 58201 
Northern Valley Federal Credit Union CD Rates
Northern Valley Federal Credit Union Savings Rates
Northern Valley Federal Credit Union Checking Rates
Northern Valley Federal Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Northern Valley Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Northern Valley Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Northern Valley Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Northern Valley Federal Credit Union
Website
https://northernvalleyfcu.com
Address
3030 Demers Ave,
Grand Forks, ND 58201
Phone
701-772-7922
Fax
701-772-5076
President
Ole Borgen
CEO
Nancy Vodden
Full-Time Employees
4
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.14%
Return on Assets (ROA)
0.8460%
Return on Equity (ROE)
6.6145%
Non-Performing Loans Ratio (NPL)
0.03%
Total Assets
19,961,543
Total Amount of Shares and Deposits
17,342,029
Total Shares and Deposits < 1 Year
17,260,129
Total Shares and Deposits 1 3 Years
81,900
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,460,948
Total Uninsured Shares and Deposits > $250K (F+J)
1,460,948
Total Insured Shares and Deposits > $250K (item 17 less item K)
15,881,081
Total Interest Expense (Sum of items 6 8)
118,742
Share Certificates
80
Number of Accounts for Share Drafts
920
IRA KEOGH Accounts
19
Number of Accounts for Regular Shares
1,452
All other shares
204
Net Income (unless the amount is already included in Undivided Earnings)
168,876
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,926,101
Total Liabilities
17,408,446
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Northern Valley Federal Credit UnionIs Northern Valley Federal Credit Union a safe place to deposit money?Yes, Northern Valley Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.14202358938967%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Northern Valley Federal Credit Union operate?Northern Valley Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Northern Valley Federal Credit Union?Yes, to access services at Northern Valley Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Northern Valley Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Northern Valley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Northern Valley Federal Credit Union offer online and mobile banking?Most modern institutions like Northern Valley Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://northernvalleyfcu.com. Current Northern Valley Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
ECM Federal Credit Union
URW Community Federal Credit Union
Poly Scientific Employees Federal Credit Union
Raleigh County Federal Credit Union
N J Latvian Federal Credit Union
Local No 317 IAFF Credit Union
Elevator Federal Credit Union
Steuben Citizens Federal Credit Union
WINSLOW SCHOOL EMPLOYEES
The Health And Education Federal Credit Union
HEMA Federal Credit Union
Mt Jezreel Federal Credit Union
First Financial of Maryland FCU
The Peoples Credit Union
Burlington Northtown Community Credit Union
Odessa Employees Credit Union
Genisys Credit Union
WeDevelopment Federal Credit Union
United Nations Federal Credit Union
Fort Bayard Federal Credit Union
Savannah Schools Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
