Updated as of | Merger Completion Tracker: 100%

Welcome to CU1

As a member of Credit Union 1 (CU1), you have access to a wide variety of products and services, and we are pleased to have the opportunity to help you meet your financial goals.

Credit Cards
High-Priority Items
Consumer Loans
Get the Most Out of Your CU1 Account
New Branch Hours
Frequently Asked Questions
Business Member Information

Have questions about the merger, disclosures or fee schedule? Submit a Question

Important Credit Card Conversion Update

As part of the merger with Credit Union 1, your current Great River Credit Card will be closed on November 4, 2026. The conversion to a Credit Union 1 credit card will take place November 4, 2026.

Learn More

High-Priority Items

Update Account and Routing Number

If you have any automatic debits or credits to your Great River account, you will need to advise each business of your new Credit Union 1 account number and CU1’s Routing & Transit #: 271188081.

To find your account number in Digital Banking, log in, select the account tile. Your full 14 digit account number will appear at the top. The first 10 digits identify your account, and the last 4 digits are your account suffix, which identifies the account type. When setting up direct deposit, be sure to use the full 14 digit account number.
Update Automatic Payments

Several types of automatic payments—including internal transfers, recurring payments set up in Digital Banking, and external bill pay—did not carry over with the conversion. You will need to set up these payments again within CU1 Digital Banking.
Access Digital Banking

You are now able to use Credit Union 1 Digital Banking. Learn more about the changes you will experience with CU1 Digital Banking and how to log in for the first time.
Enroll in eDocuments to Receive eStatements

Paper statement fees will be waived through December 31, 2025. If you are not enrolled in eDocuments after this date, you will be charged a $5.00 monthly statement fee. Set up eStatements by enrolling in eDocuments through Digital Banking.

Follow these step-by-step instructions to learn how to enroll in eDocuments.
Verify Payroll

Every effort was made to ensure payroll deposits and payroll distributions were converted properly. While there was no action required on your part for this transition, we recommend that you verify your payroll deposit and/or payroll distribution through Digital Banking with your first payroll.

CU1 card

Activate your CU1 Debit Card

CU1 debit cards can be easily activated through Digital Banking. Simply log in and navigate to Debit Card Controls under the main Services menu. Or you can call (800) 992-3808 to active in a few simple steps.

Debit Card Notice: Debit Card Controls is available directly in Digital Banking.

consumer loans

Auto Loans
If you currently have an Auto Loan, review your insurance policy to ensure it meets Credit Union 1’s Auto Insurance requirements.

Consumer Loans

Members who have a mortgage, home equity loan, or auto loan were converted to a matching or similar product in the CU1 system. The rate and term for each of these products will remain the same as originally contracted for the remaining term of the agreement.

Payment Changes

Several types of automatic payments—including internal transfers, recurring payments set up in Digital Banking, and external bill pay—did not carry over with the conversion. You will need to set up these payments again within CU1 Digital Banking.

If your loan payment was set up as an ACH (or a payment that makes a direct withdrawal from your bank account using your account number and routing number), any existing loan payments will clear. CU1 will do our best to clear transactions that use your Great River account and routing number for up to six months. However, your Great River account and routing number will no longer be valid after six months, and we recommend proactively updating everything to your new CU1 account and routing number as soon as possible to avoid the need for future changes.

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Forbes America's Best in State Credit Unions 2026

Award-Winning Banking Starts Here
Credit Union 1 is proud to be named one of Forbes' Best-In-State Credit Unions. Learn More.

Digital Banking - Spending Analysis

Get the Most Out of Your CU1 Account

Now that the conversion is complete, you can take advantage of the features Credit Union 1 offers to make everyday banking simple and convenient. Learn more about these key features and how you can easily set them up today.

Set Up Direct Deposit

Transfer Money

Pay Bills

Order Checks

CardSwap

Card Controls

Digital Wallet

Credit Score

Action Needed: Quicken and QuickBooks Update

The system conversion from Great River FCU to CU1’s system on October 1, 2025, will require that you make changes to your QuickBooks or Quicken software, so please take action to ensure a smooth transition.

On or After October 2, 2025

Complete the remaining steps in the conversion instructions listed below. Complete the deactivate/reactivate of your digital banking connection.
New Users can get started by clicking here.

Friday: 9:00am - 5:00pm

Saturday: Closed

Sunday: Closed

Drive-Up

Monday: 9:00am - 6:00pm

Tuesday: 9:00am - 6:00pm

Wednesday: 10:00am - 6:00pm

Thursday: 9:00am - 6:00pm

Friday: 9:00am - 6:00pm

Saturday: Closed

Sunday: Closed

Sauk Rapids

4 2nd Avenue N.
Sauk Rapids, MN 56379

Lobby

Monday: 9:00am - 5:00pm

Tuesday: 9:00am - 5:00pm

Wednesday: 10:00am - 5:00pm

Thursday: 9:00am - 5:00pm

Friday: 9:00am - 5:00pm

Saturday: 9:00am - 12:00pm

Sunday: Closed

Drive-Up

Monday: 9:00am - 6:00pm

Tuesday: 9:00am - 6:00pm

Wednesday: 10:00am - 6:00pm

Thursday: 9:00am - 6:00pm

Friday: 9:00am - 6:00pm

Saturday: 9:00am - 12:00pm

Sunday: Closed

Minot

2401 N. Broadway
Minot, ND 58703

Lobby

Monday: 9:00am - 5:00pm

Tuesday: 9:00am - 5:00pm

Wednesday: 10:00am - 5:00pm

Thursday: 9:00am - 5:00pm

Friday: 9:00am - 5:00pm

Saturday: Closed

Sunday: Closed

Drive-Up

Monday: 9:00am - 5:00pm

Tuesday: 9:00am - 5:00pm

Wednesday: 10:00am - 5:00pm

Thursday: 9:00am - 5:00pm

Friday: 9:00am - 5:00pm

Saturday: Closed

Sunday: Closed

Access 130,000 Surcharge-Free ATMs Nationwide. Find an ATM

Merger FAQs for Great River Members

Do I need to update my account and routing number right away?

We will do our best to clear transactions that use your Great River account and routing number for up to six months; however, we recommend updating everything as soon as possible to your new CU1 information.
Did my account number change?
Yes, your account number changed on October 2, 2025. Be sure to update any external parties—such as your employer (for payroll), service providers (for ACH transactions), or lenders—with your new Credit Union 1 (CU1) routing and account numbers.

To find your new account number:
1. Log in to Digital Banking.
2. Go to the ‘Menu’, then select ‘Services’, followed by ‘Setup Direct Deposits’.
3. Here, you can use ClickSwitch to update your direct deposits and ACH transactions, or scroll down to download a PDF with your account details.
Did the routing number change?

Yes, the routing number also changed on October 2, 2025. The new CU1 routing number is 271188081. You can find it in Digital Banking by scrolling to the Move Money tile, or at the bottom of the cu1.com website.
Did my online/mobile banking change?

Yes, please switch to Credit Union 1’s Digital Banking platform and mobile app, offering convenient access anytime, anywhere.

Register for Digital Banking

Download the CU1 Mobile Banking App.
Do I need to order new checks?

You may continue using your existing Great River checks, which will be honored for up to 6 months after September 30, 2025. When you're ready to reorder, you can do so easily online.
Are my accounts still insured?

Your accounts continue to be federally insured through the National Credit Union Share Insurance Fund, which is backed by the full faith and credit of the U.S. Government and managed by the National Credit Union Administration (NCUA).

Consumer Welcome Packet

Business Welcome Packet

All checking accounts are subject to approval. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.

^1.

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rate is subject to change without notice. The rate may change after the account is opened and without notice. Dividends calculated using Average Daily Balance. Requirements to earn the current declared High Yield Checking rate on balances up to $10,000: You must (1) be enrolled in digital banking by registering for CU1’s digital banking service and create a password, (2) be enrolled in eStatements for the account in which the High Yield Checking Account is established, (3) have at least 15 CU1 Bill Pay or CU1 Visa® debit card transactions per calendar month (or a combination of the two), excluding ATM transactions, in the High Yield Checking Account, and (4) have minimum aggregate deposits totaling $1,000 deposited into the High Yield Checking per calendar month. Balances over $10,000 will earn 0.01% APY. Transactions that are pending on your High Yield Checking account and have not posted as of the end of the calendar month qualification cycle, will not count as qualifying transaction for that calendar month cycle. If Requirements are not met, balances will earn 0.01% APY. Deposits, bill pay transactions, and/or debit card transactions made to any other account or sub account belonging to the account owner, or any joint owner, will not apply to these High Yield checking requirements.

^2.

APY = Annual Percentage Yield. Must be New Money and deposited into the High Yield Savings Account. “New Money” is defined as money not on deposit with Credit Union 1 within the last 12 months and transferred in from a different financial institution (no Credit Union 1 to Credit Union 1 balance transfers allowed at any time. Any funds transferred in this manner will be redeposited into the original account and earn at the current rate). Money removed from Credit Union 1, then redeposited within a 12-month period from the withdrawal, will not be eligible for the High Yield Savings Account Rate.

^3.

Early access to direct deposit funds is a free, automatic feature and depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Standard fraud prevention restrictions apply. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday.

Welcome to CU1

Important Credit Card Conversion Update

High-Priority Items

Activate your CU1 Debit Card

Consumer Loans

Payment Changes

Get the Most Out of Your CU1 Account

Action Needed: Quicken and QuickBooks Update

Branch Information & Hours

Niles

Sartell

Sauk Centre

Big Lake

Foley

Waite Park

Sauk Rapids

Minot

Access 130,000 Surcharge-Free ATMs Nationwide. Find an ATM

Merger FAQs for Great River Members

Do I need to update my account and routing number right away?

Did my account number change?

Did the routing number change?

Did my online/mobile banking change?

Do I need to order new checks?

Are my accounts still insured?

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