--- title: "Northern Valley Credit Union Rates - North Dakota" description: "Current powersports loan, heloc, and personal loan rates from Northern Valley Credit Union in North Dakota. Updated daily with source verification. See who can join Northern Valley Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-dakota/northern-valley" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Northern Valley Credit Union Rates - North Dakota ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New Recreational** powersports_new | — APR | 5.500% | new | Standard | | **Used Recreational** powersports_used | — APR | 6.500% | used | Standard | Northern Valley Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | — APR | 6.500% | — | Standard | Northern Valley Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 3.500% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 12.000% | — | Standard | Northern Valley Credit Union personal loan rates as of November 12, 2026 Northern Valley Credit Union is a credit union in North Dakota. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-dakota/northern-valley) , verified from [Northern Valley Credit Union's official website](https://northernvalleyfcu.com/) Loading branch locator… ## About Northern Valley Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.5K Assets $18.5M Founded 1936 Locations reported 1 NCUA charter 1344 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**First Community** Branch - Grand Forks 32nd · Grand Forks · ND · 58201 About 3.4 miles away](https://rateapi.dev/credit-unions/north-dakota/first-community) [**Postal Family** BRANCH · GRAND FORKS · ND · 58208-6321 About 4.0 miles away](https://rateapi.dev/credit-unions/north-dakota/postal-family) [**Med Park** Med Park Credit Union · Grand Forks · ND · 58201 About 4.2 miles away](https://rateapi.dev/credit-unions/north-dakota/med-park) [**Riverfork** Med Park Credit Union · Grand Forks · ND · 58201 About 4.2 miles away](https://rateapi.dev/credit-unions/north-dakota/riverfork) [**University** Branch Ofc · Grand Forks · ND · 58201 About 5.0 miles away](https://rateapi.dev/credit-unions/north-dakota/university) [**Service** Grand Forks AFB Branch · Grand Forks Afb · ND · 58204-1020 About 12.3 miles away](https://rateapi.dev/credit-unions/new-hampshire/service) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Northern Valley Credit Union Membership eligibility from Northern Valley Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in Grand Forks County, Polk County, ND, MN - Location Grand Forks County, Polk County — ND, MN Verified from [Northern Valley Credit Union's membership page](https://northernvalleyfcu.com/about/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Northern Valley Credit Union Geography 1 county 1 published path to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Grand Forks County, ND “NCUA call report 2026-03-31: TOM_CODE=66 (community charter); branch footprint: Grand Forks County, ND” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Northern Valley Credit Union? Yes No ## Work at Northern Valley Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Northern Valley Credit Union ranks against North Dakota peers. - See which AI assistants fetched Northern Valley Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Dakota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=northern-valley&state=north-dakota&code=ND&name=Northern%20Valley%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Northern Valley Credit Union offer? Northern Valley Credit Union currently offers Powersports loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Northern Valley Credit Union rates updated? RateAPI verifies Northern Valley Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Northern Valley Credit Union's rate data? Rate data is collected directly from Northern Valley Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Northern Valley Credit Union? Community charter: live/work in Grand Forks County, Polk County, ND, MN RateAPI tracks 1 published membership path covering 1 county for Northern Valley Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Northern Valley Credit Union's rates against national credit-union benchmarks. [More North Dakota credit unions](https://rateapi.dev/credit-unions/north-dakota) [North Dakota auto loan rate leaders](https://rateapi.dev/auto-loan-rates/north-dakota) [North Dakota HELOC rate leaders](https://rateapi.dev/heloc-rates/north-dakota) [North Dakota personal loan leaders](https://rateapi.dev/personal-loan-rates/north-dakota) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://northernvalleyfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Northern Valley Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Dakota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Northern Valley Credit Union curl "https://api.rateapi.dev/credit-unions/north-dakota /northern-valley " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Northern Valley Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/north-dakota/northern-valley Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp