Regular Savings

A $5.00 minimum deposit into a regular savings account is a member’s share in the credit union. This represents your ownership in Great River Federal and opens the door to a full array of products and services. Dividends are compounded daily and credited monthly on an average daily balance of $10 and above.



Special Savings

Save for a vacation, education, or special event with a special savings account and watch it grow! There are no minimum balance requirements. A special savings account earns the same dividend rate as a regular savings account. Dividends compound daily and credit to the account monthly for accounts with balances of $10.00 and above.


Money Fund

A money fund account is an excellent investment which offers you flexibility while earning a higher dividend rate.  Our tiered program offers you a savings plan where dividends increase with each level:

  • $2,500 – $9,999
  • $10,000 – $24,999
  • $25,000 – $49,999
  • $50,000 +


The money fund account also provides:

  • Dividends that compound monthly
  • Up to three withdrawals per month with a $500.00 minimum each



Premier Money Fund

Our premier money fund account features higher rates, liquidity and the same great service you’ve come to expect. $75,000.00 minimum deposit required.


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Kid’s Club

Teach your children and youth about the value of saving money by opening a savings account.

Minor/young adult accounts include (up to 24 years of age):

  • Low minimum balance of $5.00
  • No monthly service charges
  • Dividends compounded monthly
  • Children 10 years of age and under receive additional benefits
  • Free piggy bank when account is opened
  • Free gift for birthdays
  • Special events including prize drawings, coloring contests, and a visit from Santa


Note to Parents:  The Children’s Online Privacy Protection Act (COPPA) require we inform parents how we collect, use, and disclose personal information from children under the age of 13.

Great River Federal Credit Union does not solicit or collect information from children anywhere on our website.  In fact, we do not require any visitors to our web pages to submit any personal information to access our site.

Great River Federal Credit Union may display third party links to various children’s sites on our Kids Club/Youth web page, however we do not distribute any personally identifiable information to third parties. When navigating to these children’s sites please verify that the third party’s web site contains a Children’s Privacy Policy that discloses their information practices for children’s personal information, and your rights as parents to provide parental consent; and opt-out guidelines regarding the collection, use, and distribution of children’s personal information to other third parties.

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College Account

Great River FCU now offers a College Account!  New members ages 18-23 enrolled in college are eligible.

Existing 18-23 accountholders simply have to present their current college ID to a Financial Service Representative who will upgrade the account to the College Account…no need to switch account numbers!


Highlights of the College Account include:

  • $2.00 Monthly Checking Fee waived if the account is signed up for estatements or has a Student Choice Student Loan balance with GRFCU!
  • First 50 pack of checks FREE and includes a customized signature line referencing your college!
  • First 8 foreign ATM withdrawals are FREE!
  • No Check Cashing Fee!
  • FREE Billpay!
  • Access to Scholarship & Educational Opportunities!
  • FREE financial consultation with the GRFCU Financial Advisor.
  • See more of our Member Relationship Plan for more highlights.


Looking to fund your Undergraduate Degree?  We have options!  Learn more 


Share Certificates

Invest wisely with a Great River Federal Credit Union share certificate.

Enjoy the benefits of:

  • Competitive dividend rates and profitable yields
  • Terms include 6 months, 12 months, 18 months, 24 months, 36 months, 48 months and 60 months
  • Minimum investment of $1000.00 or $500.00 for those less than 18 years of age
  • Dividends are compounded and paid monthly
  • Dividend rate is fixed for the term of the certificate
  • Automatic renewal at the time of maturity, unless previously notified
  • Higher rates with our member relationship plans
  • Insured by NCUA


View our Savings, Money Fund and Share Certificate Rates

*Dividends Compounded Monthly, penalty may be imposed for early withdrawal.


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Start saving for your retirement today!  Starting with college to retirement we offer three great individual retirement accounts (IRA) and an IRA share certificate option.


Traditional IRA

This account allows you to defer taxes on the earnings until they are withdrawn. Certain contributions may be tax deductible in the year they are made.


Roth IRA

While contributions are not tax deductible, contributions and earnings can be withdrawn tax free. As long as you have earned income, you can establish and contribute to a Roth IRA, event after age 70.5.


Coverdell Education Savings Plan

An account that features tax-free withdrawals for higher education expenses. While contributions are not deductible, distributions are penalty free and tax free.


IRA Share Certificates

Earn higher dividends with an IRA Share Certificate. Available with a minimum deposit of $1,000 and term of 6 to 60 months.


Consult with your tax advisor about the best IRA plan for you and we will help you with the rest.

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Health Savings Accounts

Health Savings Accounts (HSA) are tax-exempt accounts established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents.  If you meet the eligibility requirements for an HSA, you, your employer, your family members, and any other person may contribute to your HSA.  Great River Federal Credit Union offers two flexible HSA options.  Below are the features of HSA Savings and HSA Checking Accounts at Great River Federal Credit Union.

  • No start-up fees
  • No annual fees
  • Dividends compounded monthly
  • Access funds by no fee withdrawals at any of our 4 local branches
  • Automatic deposit available
  • No minimum distribution amount
  • Free online account access

HSA Checking Accounts

  • No start-up fees
  • No annual fees
  • Access funds by Visa debit card and/or checks
  • Access funds by no fee withdrawals at any of our 4 local branches
  • Automatic deposit available
  • No minimum distribution amount
  • Free online account access


Am I eligible for an HSA?

You are eligible for a regular HSA contribution if, with respect to any month, you:

  • Are covered under a high-deductible health plan (HDHP) on the first day of such month;
  • Are not also covered by any other health plan that is not an HDHP (with certain exceptions for plans providing preventative care and limited types of permitted insurance and permitted coverage);
  • Are not enrolled in Medicare; and
  • Cannot be claimed as a dependent on another individual’s tax return.


Want to learn more about Health Savings Accounts?

  • Visit the IRS Website
  • Call (320)252-5393 and ask to speak to a Member Service Representative


For specific information, you are encouraged to consult your tax or legal professional.  IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans, the instructions to IRS Form 8889, and the IRS’s website,, may also provide helpful information.

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Personal Checking

We offer the perfect account to meet all of your checking needs. Our checking account offers:

  • No minimum balance
  • Free Visa debit / check card (for those who qualify)
  • Monthly statements or e-statements
  • Free CALL24/phone banking (up to 100 transactions a month)
  • Free online banking
  • Free Billpay (Not available for Business Accounts)
  • Overdraft protection available from share savings account
  • Line of credit overdraft protection (for those who qualify)
  • Premier members receive 1 free box of checks per year with our member relationship plans


Open up a checking account today by stopping by any of our convenient locations.
Three easy ways to reorder checks

  1. Stop in
  2. Call 1-877-585-8777
  3. Order online


Business Accounts

Great River FCU offers two business accounts.


Business Basic

Accounts with 19 or less checks deposited per month.


Business Plus

Accounts with 20-100 checks deposited per month.


ATM / Debit Cards

ATM Cards

Our ATM cash card is a convenient way to access cash, withdraw funds, to transfer funds, and to view balances.
Enjoy the benefits of:

  • Easy 24 hour access
  • Withdrawals up to $500 per day
  • No surcharge on GRFCU owned ATMs
  • Convenient ATM locations

Debit Cards

Our Visa debit/check card looks like a credit card but acts like a check. It offers you the convenience of checking, easy record keeping, affordability, and added security.  The Visa debit/check card has many advantages such as:

  • Faster and easier than check writing
  • Eliminates the cost of ordering checks
  • Easy access to cash from ATM machines
  • Maximum purchase at a merchant is $1,500.00 per day.
  • Maximum withdrawal at an ATM is $500.00 per day
  • Charges are deducted from your checking account

Toll Free Number for Card Activation / PIN Selection and Change: 1-800-757-9848

Report Lost/Stolen Debit Cards

During Business Hours- 1-320-252-5393

After Hours- 1-800-472-3272


Cardholder Tips when Traveling Internationally

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