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Northern Communities Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 13, 2026
Northern Communities Credit Union's top rates as of October 13, 2026 are 4.00% APY on its 11-month CD SPECIAL, 0.10% APY on savings, 2.25% APY on money market accounts, personal loans from 11.00% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Northern Communities Credit Union CD rates include 48-month CD at 3.80%, 36-month CD at 3.75%, and 36-month Youth CD at 3.75%. 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 13.04%. Rates last updated and verified on 10/13/2026.
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.
Northern Communities Credit Union has earned an overall safety grade of A (Excellent, Score: 93/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Northern Communities Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
13.04%
ExcellentHigher than avg
Northern Communities Credit Union Texas Ratio
Northern Communities Credit Union's Texas Ratio is 13.04%, which is considered excellent and is higher than the national average of 6.13%.
Northern Communities Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.45% to 13.04% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Northern Communities Credit Union CD Rates
Product
Rate
APY
Term
View More
11-month Share Certificate SPECIAL
-
4.00%
11 months
Min Deposit$1,000
DetailsCertificate Special; renews as 12-month certificate at maturity; Interest paid at maturity; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
48-month Share Certificate
-
3.80%
48 months
Min Deposit$1,000
DetailsInterest paid quarterly; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
36-month Share Certificate
-
3.75%
36 months
Min Deposit$1,000
DetailsInterest paid quarterly; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
36-month Youth Share Certificate
-
3.75%
36 months
Min Deposit$250
DetailsYouth certificate; Interest paid quarterly; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
24-month Share Certificate
-
3.70%
24 months
Min Deposit$1,000
DetailsInterest paid quarterly; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
12-month Youth Share Certificate
-
3.60%
12 months
Min Deposit$250
DetailsYouth certificate; Interest paid at maturity; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
12-month Share Certificate
-
3.50%
12 months
Min Deposit$1,000
DetailsInterest paid at maturity; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
6-month Share Certificate
-
3.30%
6 months
Min Deposit$1,000
DetailsInterest paid at maturity; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Northern Communities Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
-
0.10%
Min Deposit$5
DetailsSavings up to $250,000 Federally Insured by NCUA; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Second Savings Account
-
0.10%
Min Deposit$5
DetailsSavings up to $250,000 Federally Insured by NCUA; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Vacation Club
-
0.10%
Min Deposit$5
DetailsSavings up to $250,000 Federally Insured by NCUA; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Northern Communities Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
-
2.25%
Min Balance$200,000
DetailsBalance: $200,000 and over; Tiered rates based on balance; Dividends compounded daily and credited monthly
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 2.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Money Markets
-
2.25%
Min Balance$200,000
DetailsBalance: $200,000 or greater
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Money Market
-
2.00%
Min Balance$100,000
DetailsBalance: $100,000 - $199,999; Tiered rates based on balance; Dividends compounded daily and credited monthly
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 2.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Money Markets
-
2.00%
Min Balance$100,000
DetailsBalance: $100,000 - $199,999
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Money Market
-
1.75%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999; Tiered rates based on balance; Dividends compounded daily and credited monthly
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 1.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Money Markets
-
1.75%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Money Market
-
1.25%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999; Tiered rates based on balance; Dividends compounded daily and credited monthly
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 1.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Money Markets
-
1.25%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Money Market
-
1.00%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999; Tiered rates based on balance; Dividends compounded daily and credited monthly
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 1.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Money Markets
-
1.00%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Money Market
-
0.50%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999; Tiered rates based on balance; Dividends compounded daily and credited monthly
Last Updated10/13/2026
Rate History
No change since Oct 1, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Money Markets
-
0.50%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Northern Communities Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto
-
-
4.75%
24 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
New Auto
-
-
5.00%
36 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
New Auto
-
-
5.50%
48 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Used Auto
-
-
5.50%
24 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
New Auto
-
-
5.75%
60 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Used Auto
-
-
5.75%
36 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Used Auto
-
-
6.00%
48 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
New Auto
-
-
6.25%
72 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Used Auto
-
-
6.25%
60 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
New Auto
-
-
6.50%
84 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Used Auto
-
-
7.00%
72 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Used Auto
-
-
7.25%
84 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Credit Builder Auto
-
-
9.75%
24 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Credit Builder Auto
-
-
10.00%
36 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Credit Builder Auto
-
-
10.25%
48 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Credit Builder Auto
-
-
10.50%
60 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Credit Builder Auto
-
-
10.75%
72 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Northern Communities Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Vehicles Loan
-
5.75%
24 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Campers/Motorhomes Loan
-
6.00%
24 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Recreational Vehicles Loan
-
6.00%
36 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Campers/Motorhomes Loan
-
6.25%
36 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Recreational Vehicles Loan
-
6.25%
48 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Campers/Motorhomes Loan
-
6.50%
48 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Recreational Vehicles Loan
-
6.50%
60 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Campers/Motorhomes Loan
-
6.75%
60 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Recreational Vehicles Loan
-
6.75%
72 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Recreational Vehicles Loan
-
7.00%
84 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Campers/Motorhomes Loan
-
7.25%
120 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Campers/Motorhomes Loan
-
7.75%
180 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Recreational Vehicles Loan
-
8.00%
120 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Recreational Vehicles Loan
-
9.00%
180 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Northern Communities Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
View More
Student Loan Refinancing
-
-
4.50%
DetailsAs Low As; Student Loans/Refinance; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Private Student Loan
-
-
6.00%
DetailsAs Low As; Student Loans/Refinance; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Northern Communities Credit Union Credit Card Rates
Product
Rate
APR
View More
VISA Credit Card - Platinum
-
9.90%
DetailsEffective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 9.90% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
VISA Credit Card - Classic
-
14.90%
DetailsEffective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 14.90% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
VISA Credit Card - Credit Builder Classic
-
14.90%
DetailsEffective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 14.90% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Northern Communities Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured Loan
11.00%
24 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Unsecured Loan
11.25%
36 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Unsecured Loan
11.50%
48 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Unsecured Loan
12.25%
60 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Northern Communities Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Other Goods Loan
-
-
6.00%
24 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Other Goods Loan
-
-
6.25%
36 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Other Goods Loan
-
-
6.50%
48 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Other Goods Loan
-
-
7.00%
60 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Other Goods Loan
-
-
7.50%
120 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Other Goods Loan
-
-
8.00%
180 months
DetailsAs Low As; Effective April 20, 2026 (subject to change)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Escrow
-
-
0.10%
Min Deposit$5
DetailsSavings up to $250,000 Federally Insured by NCUA; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Share Account
-
-
0.10%
Min Deposit$5
DetailsSavings up to $250,000 Federally Insured by NCUA; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
WINcentive Saving Account
-
-
0.10%
Min Deposit$5
DetailsSavings up to $250,000 Federally Insured by NCUA; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Youth Share Account
-
-
0.10%
Min Deposit$5
DetailsSavings up to $250,000 Federally Insured by NCUA; Effective August 31, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.04%
Financial Health History
Northern Communities Credit Union’s Texas Ratio rose from 3.45% in Q3 2023 to 13.04% 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 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
June 30, 2026
$124M
13.04%
5.0
A
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+
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 NameNorthern Communities Credit Union
Address
3311 W Arrowhead Rd,
Duluth, MN 55811-4065
Phone218-279-3200
Fax218-279-3222
PresidentShawn Herhusky
CEOTrina Hoff
Full-Time Employees33
Part-Time Employees0
Branch Locations2
ATM Locations2
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
13.04%
Return on Assets (ROA)
0.2786%
Return on Equity (ROE)
2.5824%
Non-Performing Loans Ratio (NPL)
1.92%
Total Assets
124,335,194
Total Amount of Shares and Deposits
108,940,002
Total Shares and Deposits < 1 Year
108,622,431
Total Shares and Deposits 1 3 Years
189,424
Total Shares and Deposits > 3 Years
128,146
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,715,216
Total Uninsured Shares and Deposits > $250K (F+J)
3,715,216
Total Insured Shares and Deposits > $250K (item 17 less item K)
105,224,786
Total Interest Expense (Sum of items 6 8)
642,827
Share Certificates
817
Number of Accounts for Share Drafts
4,357
Number of Accounts for Regular Shares
8,531
All other shares
24
Money Market Shares
278
Net Income (unless the amount is already included in Undivided Earnings)
346,366
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)
12,472,970
Total Liabilities
110,922,654
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Northern Communities Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Northern Communities Credit Union
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%
Savings0.10%
MMA2.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
