Click Here to See our Current Rates!

Save BIG and shop conveniently with AutoSMART


We've got low rates on new and used auto loans as well as sports vehicle loans! Get rates as low as 3.20% with extra discounts available. See us for more savings and details! Call us at 279-3200 today!


Use the AutoSMART buttons on our site to search for a specific vehicle or browse inventory of dealers near you! You can also compare deals, sell your vehicle, and fill out your application online. You have everything you need at the click of a button.


Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral conditions. All loans subject to approval. See Loan Officer for details.




ATM Network to Conduct Disaster Recovery Exercise


On Tuesday, September 16, the MoneyPass Network will conduct a disaster recovery exercise. MoneyPass participants may experience intermittent denials between 1:00 a.m. and 5:00 a.m. CT.



If you have questions, please feel free to contact MoneyPass Support at 855.866.PASS 




Supervalu stores breach


On August 14th, SuperValu stores, the parent company of Cub Foods, notified the public of a criminal intrusion at some of its owned and franchised stores. This intrusion may have resulted in the theft of debit and/or credit card numbers, expiration dates and other numerical information, possibly also including the card holder's name.


SuperValu believes that this breach occurred between June 22nd and July 17th at over 180 stores, one of which is the Cub Foods located in Duluth, MN. The complete press release can be found here and a complete list of the affected stores can be found here


NCCYou has not yet heard if any of our card holders have been compromised. However, we are already taking action to discover how many may possibly be affected. NCCYou is also working with our card processor to determine the scope of this issue. At this time we are not advising the immediate cancellation of debit and/or credit cards. Once the scope of the breach at SuperValu is clear, members who hold a card that has been identified as at risk will be notified and those affected cards will be re-issued.




    This Week in our Financial Wellness Blog!


    In this week's Be Well, we say goodbye to Dan Szymczak, as this is his final post. Dan will be moving on to continue financial counseling with another entity. We wish Dan the best of luck in his counseling journey and we thank him for the great work he has done on this blog and with our NCCYou members. Read his farewell post here.


    At this time we will continue to keep the blog available, as it can always be a fantastic reference for financial wellness, but blog posting will be on hiatus until further notice. Thank you for following and we hope to have an update for you soon!


    If you think you may need help with your personal finances, we still have resources to help you. Please call us at (218) 279-3200 for a referral to a third party counseling source.




    Leased Land Mortgages


    St. Louis County is offering land for sale on a number of area lakes that it had previously leased to homeowners and property owners. If you own a home on this type of land, would like to build on this type of land, or would like to refinance existing property or buy County leased land, NCCYou can help!  We now offer a variety of mortgages on St. Louis County leased land, as well as bare land loans. Call Koby Myer at 218-279-3200 Ext. 237 for more information or to set up an appointment today!



    Now Open In The Shops At Bluestone!


    NCCYou is happy to announce that we are now open in The Shops at Bluestone on Woodland Ave. in Duluth! This branch features full service, state-of-the-art ATMs which are available 24/7, and Caysee, our Loan Officer, is available during the week to help members with lending questions and opening new accounts! Stop in and see the new branch today!


    Join us for our Grand Opening! August 15th-29th. Stop in for games and prizes, snacks and refreshments, and a lot of fun! New members who open an IDGuard Checking account will be eligible to win UMD Football tickets!


    If you (current member or non-members) have a loan with another financial institution and you want to see if you can get a better rate, come to the Bluestone office on Thursday or Friday to play "Beat My Rate!" Bring in verifiable loan documentation and if we can't beat the rate you'll win a Visa gift card! Click here to see our event flyer with a list of our goings-on and spread the word to come on down to NCCYou Bluestone! 




    Introducing IDGuard Checking with IDProtect®


    NCCYou is proud to offer IDGuard Checking, a new kind of checking account with the identity theft protection product IDProtect®. This new checking account still has all the same great services you currently receive - no minimum balance requirement, unlimited check writing/debit card transactions, free call 24, free ATM/debit card, free online banking and bill pay, free e-statements, free mobile banking with remote deposit capture - but you receive a comprehensive identity protection service for you and your family for just $2.95 a month! With questions or concerns, call 279-3200.


    To access and activate your IDProtect account, go to, choose "Register" and use the access code NCCYou provided through your IDGuard Checking notification letter. If you do not know the access code, please call us at (218) 279-3200. You may also call IDProtect at 1-877-610-7889 with any questions about accessing your profile and monitoring your identity.


    Still unsure?

    Read here why IDProtect might be one of the best products NCCYou has ever offered the membership.




    We're on Facebook!


    Northern Communities Credit Union is now on Facebook and Twitter!  You'll find links to both our new sites at the top left of our page.  Our Facebook page will highlight current specials and upcoming events.  "Like" us on Facebook for the latest and best information on personal finance, and follow us on Twitter for the latest news from your credit union!



    Serve on Our Supervisory Committee


    We currently have an opening on our Supervisory Committee! If you are interested in serving or would like to know more about the position, please call us at 279-3200. To view our current Board of Directors and Supervisory Committee, click here.

    Click here to learn more about NCCYou e-Statements!

    And while you're at it, check out our new mobile banking app for Apple and Android devices!  Simply go to the Apple Store or Google Play store and search for NCCYou!

    Member Cellular Discounts with Sprint