What are the current interest rates at Northern Communities Credit Union?

Current rates for Northern Communities Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.70%, 60-Month CD: 3.90%, Savings: 0.10%, MMA: 0.50%

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Northern Communities Credit Union

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Northern Communities Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northern Communities Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

Northern Communities Credit Union's 11-month CD rates are at 4.00%, 60-month CD rates are at 3.90%, 48-month CD rates are at 3.80%, 36-month CD rates are at 3.75%, 36-month Youth CD rates are at 3.75%. Northern Communities Credit Union's savings rates are at 0.10%. Northern Communities Credit Union's money market rates are at 0.50%. Northern Communities Credit Union's Personal Loan Rates are as low as 11.00%. MonitorBankRates evaluates the financial stability of Northern Communities Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.95%. Rates last updated and verified on 09/14/2026.

Northern Communities Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Northern Communities Credit Union? Share your experience about Northern Communities Credit Union by leaving a review below, or read customer reviews before you decide to use Northern Communities Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.95%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Northern Communities Credit Union
Arrowhead

3311 W Arrowhead Rd
Duluth, MN 55811-4065

https://nccyou.com

Northern Communities Credit Union CD Rates

Product	Rate	APY	Term
11-month Share Certificate	-	4.00%	11-month
Min Deposit $1,000 Details Certificate Special will renew as 12-month certificate at maturity. See Rate Schedule for further details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
60-month Share Certificate	-	3.90%	60-month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
48-month Share Certificate	-	3.80%	48-month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
36-month Share Certificate	-	3.75%	36-month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
36-month Youth Share Certificate	-	3.75%	36-month
Min Deposit $250 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
24-month Share Certificate	-	3.70%	24-month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
12-month Youth Share Certificate	-	3.60%	12-month
Min Deposit $250 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
12-month Share Certificate	-	3.50%	12-month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
6-month Share Certificate	-	3.30%	6-month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%

Northern Communities Credit Union Savings Rates

Product	Rate	APY
Christmas Club	-	0.10%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Second Savings Account	-	0.10%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Vacation Club	-	0.10%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%

Northern Communities Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	2.25%
Min Deposit $2,500 Min Balance $200,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Money Markets	-	2.25%
Min Balance $200,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Money Market Account	-	2.00%
Min Deposit $2,500 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Money Markets	-	2.00%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Money Market Account	-	1.75%
Min Deposit $2,500 Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Money Markets	-	1.75%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Money Market Account	-	1.25%
Min Deposit $2,500 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Money Markets	-	1.25%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Money Market Account	-	1.00%
Min Deposit $2,500 Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Money Markets	-	1.00%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Money Market Account	-	0.50%
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Money Markets	-	0.50%
Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%

Northern Communities Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.75%	24 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
New Auto Loan	-	-	5.00%	36 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
New Auto Loan	-	-	5.50%	48 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Used Auto Loan	-	-	5.50%	24 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
New Auto Loan	-	-	5.75%	60 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Used Auto Loan	-	-	5.75%	36 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Used Auto Loan	-	-	6.00%	48 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
New Auto Loan	-	-	6.25%	72 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Used Auto Loan	-	-	6.25%	60 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
New Auto Loan	-	-	6.50%	84 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Used Auto Loan	-	-	7.00%	72 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Used Auto Loan	-	-	7.25%	84 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Credit Builder Auto Loan	-	-	9.75%	24 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Credit Builder Auto Loan	-	-	10.00%	36 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Credit Builder Auto Loan	-	-	10.25%	48 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Credit Builder Auto Loan	-	-	10.50%	60 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Credit Builder Auto Loan	-	-	10.75%	72 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%

Northern Communities Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicles Loan	-	5.75%	24 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Campers/Motorhomes Loan	-	6.00%	24 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Recreational Vehicles Loan	-	6.00%	36 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Campers/Motorhomes Loan	-	6.25%	36 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Recreational Vehicles Loan	-	6.25%	48 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Campers/Motorhomes Loan	-	6.50%	48 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Recreational Vehicles Loan	-	6.50%	60 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Campers/Motorhomes Loan	-	6.75%	60 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Recreational Vehicles Loan	-	6.75%	72 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Recreational Vehicles Loan	-	7.00%	84 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Campers/Motorhomes Loan	-	7.25%	120 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Campers/Motorhomes Loan	-	7.75%	180 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Recreational Vehicles Loan	-	8.00%	120 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Recreational Vehicles Loan	-	9.00%	180 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%

Northern Communities Credit Union Student Loan Rates

Product	Rate	Points	APR
Student Loan Refinancing	-	-	4.50%
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Private Student Loan	-	-	6.00%
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%

Northern Communities Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loan	11.00%	24 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Unsecured Loan	11.25%	36 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Unsecured Loan	11.50%	48 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Unsecured Loan	12.25%	60 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%

Northern Communities Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Classic Loan	-	-	14.90%
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Credit Builder Loan	-	-	14.90%
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Other Goods Loan	-	-	6.00%	24 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Other Goods Loan	-	-	6.25%	36 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Other Goods Loan	-	-	6.50%	48 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Other Goods Loan	-	-	7.00%	60 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Other Goods Loan	-	-	7.50%	120 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Other Goods Loan	-	-	8.00%	180 months
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Platinum Loan	-	-	9.90%
Details Rates and terms are subject to change at any time without notice. Your actual rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at Northern Communities Credit Union is required. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Escrow	-	-	0.10%
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Share Account	-	-	0.10%
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
WINcentive Saving Account	-	-	0.10%
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%
Youth Share Account	-	-	0.10%
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.95%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Northern Communities Credit Union’s Texas Ratio rose from 4.16% in Q2 2023 to 9.95% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$127M	9.95%	5.0	A
December 31, 2025	$120M	12.51%	5.0	A
September 30, 2025	$117M	10.70%	5.0	A
June 30, 2025	$117M	10.55%	5.0	A
March 31, 2025	$114M	8.78%	5.0	A
December 31, 2024	$109M	10.23%	5.0	A
September 30, 2024	$105M	8.71%	5.0	A
June 30, 2024	$104M	6.47%	5.0	A
March 31, 2024	$105M	6.94%	5.0	A
December 31, 2023	$102M	6.95%	5.0	A
September 30, 2023	$103M	3.45%	5.0	A+
June 30, 2023	$103M	4.16%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Northern Communities Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Northern Communities Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Northern Communities Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Northern Communities Credit Union

Website https://nccyou.com

Address 3311 W Arrowhead Rd, Duluth, MN 55811-4065

Phone 218-279-3200

Fax 218-279-3222

President Shawn Herhusky

CEO Trina Hoff

Full-Time Employees 33

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.95%

Return on Assets (ROA)

0.2098%

Return on Equity (ROE)

1.9955%

Non-Performing Loans Ratio (NPL)

1.50%

Total Assets

126,830,365

Total Amount of Shares and Deposits

111,923,055

Total Shares and Deposits < 1 Year

111,676,545

Total Shares and Deposits 1 3 Years

119,228

Total Shares and Deposits > 3 Years

127,281

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,016,508

Total Uninsured Shares and Deposits > $250K (F+J)

6,016,508

Total Insured Shares and Deposits > $250K (item 17 less item K)

105,906,547

Total Interest Expense (Sum of items 6 8)

226,227

Share Certificates

817

Number of Accounts for Share Drafts

4,310

Number of Accounts for Regular Shares

8,490

All other shares

Money Market Shares

262

Net Income (unless the amount is already included in Undivided Earnings)

266,046

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

17,053,130

Total Liabilities

113,498,145

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Northern Communities Credit Union earned the Verified Healthy badge

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Northern Communities Credit Union

How many branches does Northern Communities Credit Union operate?

Northern Communities Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Northern Communities Credit Union?

Yes, to access services at Northern Communities Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Northern Communities Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northern Communities Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Northern Communities Credit Union offer online and mobile banking?

Most modern institutions like Northern Communities Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://nccyou.com.

Current Northern Communities Credit Union Rates

12-Month CD3.50%
24-Month CD3.70%
60-Month CD3.90%
Savings0.10%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

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Northern Communities Credit Union Rates & Review September 2026

Brian McKay

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Financial Health History

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Northern Communities Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Northern Communities Credit Union

How many branches does Northern Communities Credit Union operate?

Is a member application needed to join Northern Communities Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Northern Communities Credit Union offer online and mobile banking?

Current Northern Communities Credit Union Rates

Compare to Other Credit Unions