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iAdvertiser Disclosure
Advertiser Disclosure
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 North Iowa Community Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 19, 2026
North Iowa Community Credit Union's 12 Month CDs (CD's) rates are at 3.25%, 24 Month CDs (CD's) rates are at 3.25%, 6 Month CDs (CD's) rates are at 3.25%, 48 Month CDs (CD's) rates are at 3.00%, 60 Month CDs (CD's) rates are at 3.00%. North Iowa Community Credit Union's checking rates are as high as 0.10%. North Iowa Community Credit Union's Personal Loan Rates are as low as 9.09%. MonitorBankRates evaluates the financial stability of North Iowa Community Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.60%. Rates last updated and verified on 10/19/2026. North Iowa Community 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 North Iowa Community Credit Union? Share your experience about North Iowa Community Credit Union by leaving a review below, or read customer reviews before you decide to use North Iowa Community Credit Union. North Iowa Community Credit Union
MAIN OFFICE 640 S FEDERAL AVE
https://www.niccu.com MASON CITY, IA 50401  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. North Iowa Community Credit Union CD Rates
North Iowa Community Credit Union Savings Rates
North Iowa Community Credit Union Checking Rates
North Iowa Community Credit Union Auto Loan Rates
North Iowa Community Credit Union Personal Loan Rates
North Iowa Community Credit Union Other Rates
Financial Health HistoryNorth Iowa Community Credit Union’s Texas Ratio rose from 6.06% in Q3 2023 to 8.60% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for North Iowa Community 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 North Iowa Community 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 North Iowa Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
North Iowa Community Credit Union
Website
https://www.niccu.com
Address
640 S FEDERAL AVE,
MASON CITY, IA 50401
Phone
641-424-2281
Fax
641-424-6013
President
MARK BROSZ
CEO
SCOTT SHIPMAN
Full-Time Employees
27
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.60%
Return on Assets (ROA)
0.4841%
Return on Equity (ROE)
4.9630%
Non-Performing Loans Ratio (NPL)
1.00%
Total Assets
127,820,584
Total Amount of Shares and Deposits
113,413,798
Total Shares and Deposits < 1 Year
108,283,346
Total Shares and Deposits 1 3 Years
4,200,147
Total Shares and Deposits > 3 Years
930,305
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,490,409
Total Uninsured Shares and Deposits > $250K (F+J)
6,490,409
Total Insured Shares and Deposits > $250K (item 17 less item K)
106,923,389
Total Interest Expense (Sum of items 6 8)
1,107,263
Share Certificates
1,103
Number of Accounts for Share Drafts
5,138
IRA KEOGH Accounts
174
Number of Accounts for Regular Shares
13,006
Money Market Shares
1,260
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)
5,740,271
Total Liabilities
115,352,612
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About North Iowa Community Credit UnionDoes North Iowa Community Credit Union offer CDs?Yes. North Iowa Community Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from North Iowa Community Credit Union NCUA insured?Yes. North Iowa Community Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at North Iowa Community Credit Union?The highest CD rate MonitorBankRates has verified for North Iowa Community Credit Union is 3.25% APY on its 12 Month CDs (CD's), as of October 19, 2026. What CD terms does North Iowa Community Credit Union offer?The North Iowa Community Credit Union CD terms we track include 6 month, 12 month, 2 year, 4 year and 5 year terms, with rates from 3.00% to 3.25% APY. The institution may offer other terms or specials that are not listed here, so check with North Iowa Community Credit Union for its full lineup. What is the highest checking rate at North Iowa Community Credit Union?The highest checking rate MonitorBankRates has verified for North Iowa Community Credit Union is 0.10% APY on its Premium Checking, as of October 19, 2026. What is the lowest auto loan rate at North Iowa Community Credit Union?The lowest auto loan rate MonitorBankRates has verified for North Iowa Community Credit Union is 5.34% APR on its New/Program Vehicles- 750+ Beacon Score Loan, as of October 19, 2026. What is the lowest personal loan rate at North Iowa Community Credit Union?The lowest personal loan rate MonitorBankRates has verified for North Iowa Community Credit Union is 9.09% APR on its Signature Loans, as of October 19, 2026. How many branches does North Iowa Community Credit Union operate?North Iowa Community 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 North Iowa Community Credit Union?Yes, to access services at North Iowa Community 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, North Iowa Community 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, North Iowa Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does North Iowa Community Credit Union offer online and mobile banking?Most modern institutions like North Iowa Community 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://www.niccu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do North Iowa Community Credit Union rates compare?North Iowa Community Credit Union's top rates are 3.25% APY on its 12 Month CDs (CD's), 0.10% APY on checking and personal loans from 9.09% APR, verified by MonitorBankRates on October 19, 2026. To compare North Iowa Community Credit Union with the top rates nationwide, see our best CD rates, best checking rates and best personal loan rates, updated daily from banks and credit unions across the country. Current North Iowa Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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