Northern Communities Credit Union (NCCYou) CD Rates

How Northern Communities Credit Union (NCCYou)’s CD rates compare

Compared with banks and credit unions near Duluth, MN-WI, where Northern Communities Credit Union (NCCYou) has the most branches. $10,000, best rate first.

This credit union’s best
Northern Communities Credit Union (NCCYou)
4.00%APY
Term
11 months
Minimum
$1,000
Earns on $10,000
$366
Share Certificate
Top rate
Woodlands National Bank
4.87%APY
Term
60 months
Minimum
$1,000
Earns on $10,000
$2,684
Woodlands National Bank rates
2nd-highest rate
Affinity Plus
4.50%APY
Term
60 months
Minimum
$500
Earns on $10,000
$2,462
Affinity Plus rates

Compare CD rates near you →

CD score

Higher than 71% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.30%
9–15 months9–15 mo4.00%
16–30 months16–30 mo3.70%
31–60 months31–60 mo3.90%
QualifiedQualified4.00%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Northern Communities Credit Union (NCCYou) ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Share Certificate

Up to 4.00%APY · 7 termsPromotionalFrom $1,000 to open

Requires credit union membership ($5 minimum share account balance). Minimum opening balance of $1,000. Interest compounded daily; paid at maturity for terms up to 24 months, paid quarterly for terms greater than 24 months. Penalty for early withdrawal.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsInterest compounded daily, paid at maturity	3.30%	$164
11 monthsCertificate Special will renew as 12-month certificate at maturity. Interest compounded daily, paid at maturity	4.00%	$366
12 monthsInterest compounded daily, paid at maturity	3.50%	$350
24 monthsInterest compounded daily; paid quarterly for share certificates of 24 months or more	3.70%	$754
36 monthsInterest compounded daily, paid quarterly	3.75%	$1,168
48 monthsInterest compounded daily, paid quarterly	3.80%	$1,609
60 monthsInterest compounded daily, paid quarterly	3.90%	$2,108

Sources (1)

nccyou.com/cds · captured Sep 18, 2026

Special-purpose accounts

Youth Certificate

Up to 3.75%APY · 2 termsKids and teensFrom $250 to open

Requires credit union membership ($5 minimum share account balance). Minimum opening balance of $250. Can be added to at any time in $100 increments. Automatically renews until member turns 18; upon turning 18, funds are deposited into share account at maturity. Early withdrawal penalty applies.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 months12-month term; interest compounded daily, paid at maturity. Can be added to at any time in $100 increments	3.60%	$360
36 months36-month term; interest compounded daily, paid quarterly. Can be added to at any time in $100 increments	3.75%	$1,168

Sources (1)

nccyou.com/cds · captured Sep 18, 2026

Who can join Northern Communities Credit Union (NCCYou)

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.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

← Northern Communities Credit Union (NCCYou) overview