Credit union · NCUA insured
Northern Communities Credit Union (NCCYou) Savings Rates
Northern Communities Credit Union (NCCYou)’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Northern Communities Credit Union (NCCYou)’s savings 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)
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Northern Communities Credit Union (NCCYou) savings score
84
Savings score
Higher than 67% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified1.00%
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.
Where Northern Communities Credit Union (NCCYou) ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.00%APY
Membership at NCCYou is open to anyone who lives, works, worships, or attends school in St. Louis County, MN, or is a relative of a member. A $5 opening deposit in a Regular Share Savings account establishes membership. Minimum balance to begin earning dividends is $2,500; if balance falls below $2,500, dividends stop accruing. Dividends are compounded daily and credited monthly. Transactions cannot be made at ATMs.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Minimum balance to begin earning dividends is $2,500. | 0.50% | — | Minimum balance to begin earning dividends is $2,500. |
| $10,000 – $24,999 | 1.00% | $100 | |
| $25,000 – $49,999 | 1.25% | — | |
| $50,000 – $99,999 | 1.75% | — | |
| $100,000 – $199,999 | 2.00% | — | |
| $200,000 and up | 2.25% | — |
Sources (3)
All captured Sep 18, 2026
Escrow
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- nccyou.com/deposit-rates · captured Sep 18, 2026
Regular Share Savings Account
0.10%APY
Establishes credit union membership. Minimum opening deposit of $5 represents member share. Membership is open to anyone who lives, works, worships, or attends school in St. Louis County, MN, or relatives of members.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded daily based on average balance and credited quarterly. Paper statements are $2.95 quarterly ($2.95 monthly if member has checking or electronic transactions); free for members 65 and older; e-statements are free.Any balance | 0.10% | $10 | Dividends compounded daily based on average balance and credited quarterly. Paper statements are $2.95 quarterly ($2.95 monthly if member has checking or electronic transactions); free for members 65 and older; e-statements are free. |
Sources (3)
All captured Sep 18, 2026
Sub Share Savings Account
0.10%APY
Designate funds for specific savings goals; can be used as overdraft protection source.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded daily based on average balance and credited quarterly.Any balance | 0.10% | $10 | Dividends compounded daily based on average balance and credited quarterly. |
WINcentive Savings Account
0.10%APY
Prize-linked savings account. Must be a resident of Minnesota or Wisconsin. Must commit to one year of saving. Can only be primary account holder for one WINcentive Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns 1 drawing entry for each $25 savings increase (up to 4 entries per month) for monthly, quarterly, and annual prize drawings ($100, $1,000, and $5,000). Unlimited deposits allowed.Any balance | 0.10% | $10 | Earns 1 drawing entry for each $25 savings increase (up to 4 entries per month) for monthly, quarterly, and annual prize drawings ($100, $1,000, and $5,000). Unlimited deposits allowed. |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club Savings Account
0.10%APY
Club account to save throughout the year for holiday spending.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded daily based on average balance and credited quarterly.Any balance | 0.10% | $10 | Dividends compounded daily based on average balance and credited quarterly. |
Vacation Club Savings Account
0.10%APY
Allows setting up recurring transfers on chosen schedule; take funds out or transfer at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded daily based on average balance and credited quarterly.Any balance | 0.10% | $10 | Dividends compounded daily based on average balance and credited quarterly. |
Youth Savings Account
0.10%APY
For kids from 0-12 years old. A parent, grandparent, or legal guardian must be a joint owner. Physical identification required at opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded daily based on average balance and credited quarterly. Statements and e-statements are free to members under 18. Includes account opening gifts.Any balance | 0.10% | $10 | Dividends compounded daily based on average balance and credited quarterly. Statements and e-statements are free to members under 18. Includes account opening gifts. |
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.