Northern Valley Federal Credit Union


3030 Demers Ave
Grand Forks, ND 58201
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.87% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Northern Valley is an NCUA insured institution located in Grand Forks, ND. It was founded in 1936 and has approximately $17.69 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 1344
Date Established 1936
Assets $17.69 million
Loans $8.82 million
Deposits $15.89 million
Capital $1.73 million

Deposit Rates - January 21, 2022

Your Current Location: Washington, WA 98109

We do not yet have rates for Northern Valley

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Loan Rates - January 21, 2022

Your Current Location: Washington, WA 98109

There are currently no loan rates available for NORTHERN VALLEY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 7147
License#: CL-7147
3.204% 3.125% 0.63 $2,510 $1,071 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.250% 4.125% 1.00 $3,750 $1,212 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info

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Below are Northern Valley branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Northern Valley Locations

Climate Initiatives

NORTHERN VALLEY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Northern Valley Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Northern Valley. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Northern Valley U.S. Average
3.02% 3.93

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2021, Northern Valley had $54,262 in non-current loans and $0 in owned assets. To cover these potential losses it had $1,732,978 in net worth and $62,477 in loans loss reserves. That gives it a Texas Ratio of 3.02%.

Net Worth
Northern Valley U.S. Average
9.79% 12.37%

Northern Valley FCU has a net worth of 9.79% versus the BestCashCow average of 12.37. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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