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Great River

1532 W Saint Germain, Saint Cloud, MN 56301
NCUA Insured2.4 (75 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1948

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1532 W Saint Germain

Saint Cloud, MN 56301

Service Area

This credit union is located in Saint Cloud and serves members in the MN area. Currently serving 20,974 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Loan Rates

Rates sourced from NCUA call report data (Q1 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.49%

Used Auto Loan

6.49%

Personal Loan

15.49%

Credit Card APR

14.15%

Important: Rates are sourced from NCUA call report filings (Q1 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MN

Lowest rates currently reported by credit unions in MN (NCUA Q1 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations

Branch information not available for this credit union.

Member Reviews

2.4

75 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Nikki Stone

Nikki Stone

3 months ago

It would be great if I could access my account online. I’ve needed to transfer money all day today so I don’t get charged the stupid fee to auto transfer funds. All day today - not able to get on. This is a regular occurrence and got a billion dollar credit union, you’d think you would have reliable internet banking. Don’t bother replying with your templated reply because I’m not calling you to wait on hold. I can’t get into a branch unless I take off work which is not worth it. I can not wait until I can get everything transferred out.

Kelli S

Kelli S

7 months ago

I would give them negative stars if it were possible. The merger between Great River and Credit Union 1 has been a complete nightmare to navigate, and for three weeks I've been promised that they will look into my issues and call me back. As of today, I have received ZERO calls from this company. I'd advise anyone thinking of doing business with Credit Union 1 to go somewhere else. It's clear that this bank does not care about It's customers.

kristin lanett

kristin lanett

5 months ago

I am not "wowed" by CU1 taking over Great River. I used to get a live person at a branch here in Saint Cloud when I needed help. Now you get put on hold and pushed to IL or NV. Also, I'm not happy that when I wanted to discuss home loans, instead of speaking with someone here in Saint Cloud (or MN) I have to go through Illinois! I moved away from there. I had Great River for 4 years and had wonderful interactions. Now..it's like every other big company that buys out a smaller one. :(

Pungo Lay

Pungo Lay

5 months ago

I refinanced my car through Great River Federal Credit (former name) during summer of 2025. My specialist was AUBREY KRUEGER. It was a smooth process and I even set up AUTOPAY (signed through EDOCS by both parties). On October 19, I received a letter from the mail through their new company (Credit Union 1) that I am late by 15 days. I tried to contact her via email and text but no response as of now. If this issue is not resolved, I will escalate this to my LAWYER. Edit as of 12/25: Issue has been resolved and had a different team member who resolved my issue. Amber Mathiasen helped me solved my problem and set upy autopay. Payment has been received and my late payment was not reported to the credit bureaus. I also plan on paying off the loan completely next year if everything goes accordingly. Shout-out to Amber for her great customer service experience.

Carmen Krugman

Carmen Krugman

6 months ago

This merger has been the worst!! I have a GRFCU credit card and now have to pay it thru this EZ Card link. Paid one time and now locked out. I tried logging on and says too many attempts have to call. I called the # and they say that the fraud dept locked my card so that makes the payment link locked. . So I called the fraud line and they said that my email must not be current so I have to call the bank to get my new one all updated. I now called bank 4 times They said everything is updated and unlocked. I go on tonight and it’s still locked. The lady says, ok we put stop on card (because now I lost the damn thing taking it out so much) and you will get new one in 7-10 days. I said, how is getting a new card going to get me in my account to pay it? All I want is to pay the card! It’s late now and no one seems to care but me and I’m having anxiety ! Why can’t they unlock my account t so I can pay it! I don’t think if the card was stolen that they will call and fake to be me and pay it.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).