Credit union · NCUA insured
Northern Communities Credit Union (NCCYou) Credit Card Rates
Northern Communities Credit Union (NCCYou) credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Northern Communities Credit Union (NCCYou)’s credit card rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Northern Communities Credit Union (NCCYou) has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Northern Communities Credit Union (NCCYou)
9.90%APR
- Up to
- —
VISA® Platinum
Lowest rate
Minnesota Power Employee Credit Union
7.90%APR
- Up to
- 15.90% APR
2nd-lowest rate
North Star Credit Union
7.90%APR
- Up to
- —
Northern Communities Credit Union (NCCYou) credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northern Communities Credit Union (NCCYou) ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA® Classic
Member must be over 18 years old. Rate depends on credit application and results. Credit limit between $500 and $15,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Rate depends on credit application and results. 25-day grace period for purchases; no grace period for cash advances. No over limit or cash advance fees. |
| Intro, 12 months | 0.00% | None | 0% introductory APR on balance transfers for up to 12 months. Pay 2% of the balance or $5 minimum fee applies to all balance transfers. After 12 months the rate will revert back to normal rate (fixed rate of 9.90% or 14.90% APR based on credit worthiness). Offer expires November 30, 2026. Subject to credit approval. |
Sources (4)
All captured Oct 16, 2026
VISA® Credit Builder
Member must be over 18 years old. Spending limit is $500. Rate depends on credit application and results.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Rate depends on credit application and results. 25-day grace period for purchases; no grace period for cash advances. No over limit or cash advance fees. You only pay interest when you use the card for purchases or cash advances. |
| Intro, 12 months | 0.00% | None | 0% introductory APR on balance transfers for up to 12 months. Pay 2% of the balance or $5 minimum fee applies to all balance transfers. After 12 months the rate will revert back to normal rate (fixed rate of 9.90% or 14.90% APR based on credit worthiness). Offer expires November 30, 2026. Subject to credit approval. |
Sources (5)
- nccyou.com/credit-cards
- nccyou.com/fli/credit-builder-loans
- nccyou.com/loan-rates
- nccyou.com/visa-balance-transfer
- nccyou.com
All captured Oct 16, 2026
VISA® Platinum
Member must be over 18 years old. Rate depends on credit application and results. Credit limit between $2,500 and $30,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Rate depends on credit application and results. 25-day grace period for purchases; no grace period for cash advances. No over limit or cash advance fees. |
| Intro, 12 months | 0.00% | None | 0% introductory APR on balance transfers for up to 12 months. Pay 2% of the balance or $5 minimum fee applies to all balance transfers. After 12 months the rate will revert back to normal rate (fixed rate of 9.90% or 14.90% APR based on credit worthiness). Offer expires November 30, 2026. Subject to credit approval. |
Sources (4)
All captured Oct 16, 2026
VISA® Secured
Member must be over 18 years old. Requires a refundable security deposit, which acts as spending limit ($500). Helps build or re-build credit scores. Rate depends on credit application and results.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Rate depends on credit application and results. 25-day grace period for purchases; no grace period for cash advances. No over limit or cash advance fees. |
| Intro, 12 months | 0.00% | None | 0% introductory APR on balance transfers for up to 12 months. Pay 2% of the balance or $5 minimum fee applies to all balance transfers. After 12 months the rate will revert back to normal rate (fixed rate of 9.90% or 14.90% APR based on credit worthiness). Offer expires November 30, 2026. Subject to credit approval. |
Sources (3)
All captured Oct 16, 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.