Located on Demers Avenue in Grand Forks, North Dakota, Northern Valley Federal Credit Union brings cooperative banking to members across the Red River Valley. The credit union pairs everyday checking and savings with vehicle and recreational loans, share certificates, debit cards, and modern online and mobile account access.

From Grand Forks with pride: Northern Valley Federal Credit Union treats members like neighbors because in the Red River Valley, they are. Whether you are financing a pickup for winter, opening your first savings account, or locking in a share certificate, this cooperative keeps rates fair and service genuinely friendly. Then supercharge the everyday side of your budget with Fluz, the cashback app that pays you back on gift cards for groceries, streaming, dining, and travel. Northern Valley handles the saving, Fluz handles the rewarding, and you pocket the difference all year long, even through a North Dakota winter.