Credit union · NCUA insured
Northern Communities Credit Union (NCCYou)
A $126.8M credit union headquartered in Duluth, MN, with 6,869 members and 2 branches in Minnesota. Best rates: CDs 4.00% and savings 1.00% APY.
Northern Communities Credit Union (NCCYou) Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#8 of 29 in Duluth, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Northern Communities Credit Union (NCCYou)
Founded in 1928 as the Duluth City and County Employees Credit Union, Northern Communities Credit Union is a member-owned cooperative serving Northern Minnesota.
In 2004, the credit union expanded to serve anyone living, working, worshipping, or attending school across St. Louis County, Minnesota.
- Headquarters
- 3311 W Arrowhead Rd, Duluth, MN 55811-4065
- NCUA charter
- 64655
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in St. Louis County, MN.
Family and household
- Membership is open to the spouse, blood, or adoptive relative of a member.
Cost to join
- A $5 opening deposit in a Regular Share Savings account establishes membership and represents a member's share in the cooperative.
Branches
2 branches in Minnesota
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Minnesota
2 branches
- ArrowheadMain office3311 W Arrowhead Rd, Duluth, MN 55811Directions
- Virginia800 S 16th Ave, Virginia, MN 55792Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.79% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.92% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.57% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $93 | $76 | — |
- CapitalNet worth ratio10.79%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.92%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.57%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$93Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Northern Communities Credit Union (NCCYou) are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.