Best Banks & Credit Unions in Grand Forks, North Dakota
Banks and credit unions serving Grand Forks, North Dakota. Compare up to 5.00% APY, fees, minimums and membership rules, dated when we read them.
This page covers banks, credit unions, and local branches available to residents of Grand Forks, North Dakota. All rankings inherit from the North Dakota state directory. Every institution listed is licensed to serve Grand Forks residents and is either headquartered in North Dakota or operates branches in the metro.
Top options in Grand Forks
- Service Credit Union: 5.00% APY. Primary Savings Account: Dividends paid on daily balances up to $500 at 5.00% APY; the balance above $500 earns 5.00%-0.25%; $5 in a Primary Savings Account establishes membership; APY accurate as of the last dividend declaration date of 11/16/2025. Read Sep 7, 2026 on servicecu.org.
- Empeople Credit Union: 4.15% APY. 12 Month Certificate: Minimum deposit of $500 required to open the certificate and earn dividends; penalty for early withdrawal; rate accurate as of today's dividend declaration. Read Sep 7, 2026 on empeople.com.
- Service Credit Union: 4.00% APY. 12 Months Share Certificate: $500.00 minimum daily balance to obtain APY; rates accurate as of 08/01/2026; penalty for early withdrawal. Read Sep 7, 2026 on servicecu.org.
- Magnifi Financial: 3.80% APY. 12 Month Certificate: $500-$24,999 tier of the standard certificate table; Effective Date 8/19/2026; read on mymagnifi.org/rates/rates-certificates.html; a limited-time Pick Your Term certificate pays 4.25% APY for 17 months. Read Sep 7, 2026 on mymagnifi.org.
- Town & Country Credit Union: 3.75% APY. 12 Month CD: $500 minimum; interest compounded and paid monthly on average daily balance; penalty for early withdrawal; read on townandcountry.org/personal/accounts/cds-money-markets. Read Sep 7, 2026 on townandcountry.org.
- Credit Union 1: 3.25% APY. 12 Months Share Certificate: $1,000 minimum balance to open and earn dividends; standard Share Certificate table, not the 7-month (3.85% APY) or 15-month (3.70% APY) limited-time specials; last dividend declaration date April 29, 2026; 90 days' dividends early withdrawal penalty. Read Sep 7, 2026 on creditunion1.org. Rates as of 2026-04-29 per the page.
Banks with more than one branch in Grand Forks
Each opens every one of that bank's offices in Grand Forks, with the address of each and what it holds.
- Alerus Financial, National Association in Grand Forks: 3 branches
- Gate City Bank in Grand Forks: 3 branches
Other North Dakota cities
See the full North Dakota banks directory for every institution we've verified in the state, plus the underlying methodology.