How to Join

Who We Serve

MEMBERSHIP ELIGIBILITY

We are proud to serve all who live, work or attend school in Minnesota's St. Louis and Carlton counties. Minors are welcome with an adult to sign as Joint member assuming full legal responsibility; membership eligibility is required of either minor or joint. Current member's immediate family and members of household are eligible for membership. As a bedrock business in the Northland, we welcome owners of businesses or other legal entities in Minnesota's St. Louis and Carlton counties.

Online Membership Application

Use the button below to apply online for a solely owned, individual membership with payable on death beneficiaries. For Joint memberships or business memberships, please apply in-person at one of our offices.

In-Person Steps to Membership

• 1.To share in the advantages of any of our services a Share/Savings Account must be established. A $10 membership Share is required.^**
• 2.Please bring a valid State or Federal photo ID. If you've recently moved, a current dated document with your full name and current address is required (ex: utility bill, rental agreement). Non-residents who work or attend school in the counties we serve are required to provide current dated proof of employment/enrollment (ex: paycheck with stub, Employee/Student photo ID or other document).
• 3.You will need to provide your Social Security Number.^***

Steps to Business Membership

In addition to the requirements above, new business memberships need to show original documentation including but not limited to:

• 4.EIN Tax ID
• 5.Based on business type: Certificate of Assumed Name, Articles of Organization, and/or Articles of Incorporation.

Important Information about Opening a New Membership Account

 To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask to see a valid State or Federal photo ID and/or other identifying documents. We will ask for your full name, address, date of birth, social security number and other identifying information.

^** $10 membership Share is reserved in member's savings for lifetime of membership. Funds are released when membership is closed; funds are non-returnable if membership is closed within six months of opening.

^*** All new memberships, Joint members, and checking accounts are verified through ChexSystems.

Need more information? Send us an email.