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At Great River Federal Credit Union we don’t have customers, we have members.  When you join the credit union, you become a part owner in our financial institution.


Your story may bring you here in celebration, because of exciting future plans, or a life changing event.  Maybe you are struggling and looking for help, or perhaps going to the credit union is an errand in your day.  All of these stories matter to Great River Federal Credit Union! You are eligible to join Great River Federal Credit Union if you live, work, worship, volunteer, or attend school in Benton, Sherburne, or Stearns county.  In addition, if a member of your immediate family or household is a current member, you are eligible to join.  


The benefits of credit union membership are:

  • Your initial $5 deposit entitles you to ownership of the credit union.
  • Credit union earnings are returned to you in the form of higher dividends, lower loan rates, and low or no fees services.
  • Once a member, always a member.
  • The more services you use, the more you save with member relationship plans.



Still not convinced? Scroll down to learn about our member relationship plans!

Pick a plan that is right for you!

We offer a full scope of products and services and have four Member Relationship Plans for you to choose from. Remember the more products and services you use with us, the greater the reward!


All four plans offer FREE:

  • Unlimited transactions at GRFCU owned ATMs
  • Online banking access & mobile app
  • Billpay, External & Account to Account transfers
  • eStatements & text alerts
  • Money Management system
  • Notary Public services
  • Automatic Transfers from Savings to Checking
  • Call 24 Telephone banking
  • Fee Free Checking Accounts (standard credit qualifications apply)
  • VISA debit/ATM card with no annual fee (standard credit qualifications apply)
  • VISA rewards credit card (standard credit qualifications apply)


You are placed in the first advantage and/or classic advantage plans if you have a combined savings & checking balances of $14,999 and less or combined balances on open loans of $14,999 and less.


You are eligible for the premier advantage plan if you have a combined savings & checking balances above $15,000 or combined balances on open loans above $15,000.  Contact a Member Advisor for details.


Enjoy the following:  

  • Assisted telephone transfer/balance inquiry (not audio response or ATM)
  • Automatic transfers
  • Non-GRFCU ATM use (other vendor charges may apply)
  • Check copies (within 3 years) – limitations apply
  • Corporate checks
  • 1 Box of standard checks per year
  • Share Certificate Bonus of .05% APY.
  • $5.00 off yearly rental of safe deposit box


If age 17 or younger, you are placed in the minor plan with no minimum balance requirement1

Learn more about the Marvin League

graduation hatCOLLEGE ACCOUNT

College Students Ages 18-23 Currently enrolled in a College, University, or Vocational School.

Learn more about our College Accounts


Co-op ATM Network Banner

ATM Locator

Text Message Locator:

  • Send a text to 91989 from any mobile phone. In the body of the text, enter an address (with city, state), zip code or intersection (with city, state).
  • In about 30 seconds, the service will reply with the CO-OP Network surcharge-free ATM nearest that location.
  • If you want more ATM locations, simply reply MORE to the message and additional surcharge-free ATM locations will be sent to your mobile device.



Open an account with our online application, video chat with a Member Advisor, or stop in at any of our branches.

All other information on our Truth-In-Savings Disclosure applies.

* APY – annual percentage yield. APR – annual percentage rate.
1 – Each plan is determined monthly based upon the combined average monthly share and loan balances, automatically adjusting to ensure the member will receive full advantage of accounts at the credit union.