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Because you matter.

If you’ve been affected by Covid-19, we are here to help.

We understand that many members may be facing financial hardship. That’s why we have the following programs to help you get some financial relief. Read about the programs below.

2021 PPP Loans

January 9- Open to First Time Borrowers

Click here to view information.

PPP Loan Forgiveness

Maddi Orr Business Specialist

Contact Maddi Orr to get started.


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Consumer Loan Skip-A-Payment

Skip-a-pay is available for personal and vehicle loans*


Step 1: Choose the month your Great River loan payment that you’d like to skip – whichever month is most helpful for you!

Step 2: Fill out one of the forms below!

Form for Primary Borrowers

Form for those of you Joint on a Loan

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Emergency Loan**

  • 24-month term
  • $2500.00
  • 60-day first payment deferment
  • As low as 2.99% APR
  • No Doc Prep Fee
  • Maximum of 1 Emergency loan per member

Contact our Loan Department for questions:

Email: [email protected]

Call: 320.252.5393

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For Members with a Student Choice Loan

Student Choice has developed an option for those impacted by COVID-19 in which they may qualify for a 3-month forbearance.  If this applies to you, please contact Student Choice: 800.723.2210 or visit and click on “Impacted by the Coronavirus Pandemic? We’re here to help” for further information. 

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Real Estate Loan Skip-A-Payment

For details and to apply please contact us at [email protected].

Your money is insured! 

Hear from the National Credit Union Administration (NCUA).


* You must be a member in good standing to participate in the Skip-A-Payment program. Loan must be opened for 12 months, with no late payments in the last three (3) months. A late payment is considered over the 10-day grace-period with a late fee assessed to the account. Mortgage, Home Equity, Home Equity Line of Credit, Credit Cards, Line of Credit/Overdraft Protection loans are not eligible for the Skip-A-Payment program. If your loan payment is made via ACH from another Financial institution, your payments will advance one month.The Skip-A-Payment must be approved 3 business days prior to the ACH transaction. By participating in the Skip-A-Payment program, you acknowledge that the interest on your loan will continue to accrue during the deferral period. The net effect of the skipped payment(s) will cause additional interest that will be applied to your next payment. Additionally, your loan may be extended one or more payments over its life to accommodate this deferral. You may skip up to two monthly payments per loan per year. However, there must be 6 consecutive months between skipped payments. The expiration dates of Guaranteed Asset Protection (GAP) and/or Debt Cancellation products will not be extended. All other terms of your original loan agreement will remain the same.  A Skip-A-Payment Form must be completed for each payment skipped. Offer may change at any time without notice.

**APR is Annual Percentage Rate. APR is subject to change. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher. An example of payment terms are as follows: an amount financed of $2,500 with an APR for 2.99% and a term of 24 months would have a monthly payment of $107.44.


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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.