About
Becoming a Member
Your Resource Hub for Credit & Financing
Running a successful farm or business requires more than great products, it requires financial tools you can trust. Crystal Valley provides clear, accessible resources to help you manage your account, secure credit, and invest in your cooperative with confidence.
Whether you’re opening a new account, applying for credit, or exploring patron note certificates, we’re here to guide you every step of the way.
Credit Application
Ready to start or expand your account with Crystal Valley?
Forms can be filled out, saved, signed, and emailed or mailed to our credit department for processing (typically within 5 business days).
Questions? Contact our Finance Department at creditdepartment@crystalvalley.coop or call 507-726-6455.
About Application Process
Account applications may take up to 5 business days from the time they are received by the Crystal Valley credit department to be reviewed and processed.
The federal government requires all accounts to complete the W‑9 form. The name that is provided on the W‑9 must match the name on the account application.
The Sales Tax Exemption certificate (Certificate of Exemption, Form ST3) is to be completed by accounts exempt from state sales tax.
Important: Incomplete applications may cause delays in review and account setup.
All forms may be filled out electronically, printed, signed, and emailed to creditdepartment@crystalvalley.coop or mailed to the information listed on the application.
Questions: Please call us at 507‑726‑6455.
Bank Reference Information
Applicants who indicate the following bank references need to complete an additional step.
Home heat only
Does not need to complete this step.
US Bank and Wells Fargo customers
Please call the Credit Department at (507) 726-6455.
Forms & Information
We make it easy to find the documents you need to become a Crystal Valley member. Download and complete the forms below to get started.
Credit Policy
Our credit policy outlines eligibility, payment terms, and account guidelines. It includes payment deadlines, late fees, and how patron equity affects your financial standing with Crystal Valley.
Payment Notice
All payments presented to Crystal Valley accept the following terms:
All payments returned to Crystal Valley as UNPAID will be assessed a $30 fee.
Maximum state allowable service charge will be added.
Civil penalties may be imposed for NON-payment after 30 days.
Crystal Valley reserves the right to Electronic Funds Transfer (EFT) or demand draft your account for the amount of the payment and/or fees.
Crystal Valley will add a 3% convenience fee on the transaction amount when paying with a credit card. There is no fee for debit card payments.
Additional Support Resources
Explore user guides and instructional tools to help manage your account effectively:
Need Assistance?
Questions about your credit application, patron note investment, or payment options? Please reach out to our Credit Department at (507) 726‑6455 or email creditdepartment@crystalvalley.coop for support.
Let Crystal Valley be the dependable partner you trust, with clear finance resources and helpful service every step of the way.
