Northern Communities Credit Union

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A short history of Northern Communities CU

Since its inception in 1928 the Northern Communities Credit Union has been serving its members in the DULUTH, Minnesota area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Trina Hoff, the Northern Communities CU has grown its membership to over 7,742 with assets of more than $74,101,740. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (218) 279-3200 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in DULUTH, MN.

General Information For Northern Communities CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 64655
State Minnesota 
Zip-Code 55811
Phone Number (218) 279-3200
Fax Number (218) 279-3222
Email Address: none
CEO/President Trina Hoff
Members 7,742 
Full-Time Employees 23 
Part-Time Employees
Number of Branch Offices
Total Assets 74,101,740 

Compare Northern Communities Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Hermantown CU Duluth Branch Office 2501 London Rd 55812 (218) 729-7733 No 1.31
Share Advantage CU Share Advantage Credit Union Main Office 2502 Maple Grove Rd 55811 (218) 740-2221 No 3.17
Duluth Police Department Employees CU Duluth Police Department Employees Credit Union 2030 N Arlington Ave 55811 (218) 730-5140 No 3.96
Harbor Pointe CU Kenwood Branch 1358 W Arrowhead Rd 55811 (218) 724-8218 No 6.36
Duluth Fire Department CU DFDCU 602 W 2nd St 55802 (218) 723-8357 No 6.38

Northern Communities Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Northern Communities Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 3.42 3.78 4.42 5.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 199 178 197 229
Rank Among All Minnesota Credit Unions 22 42 28 27 28

Northern Communities Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.03 0.10 0.43 N/A
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 148 134 277 N/A
Rank Among All Minnesota Credit Unions N/A 23 24 32 N/A
Northern Communities Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9001,5693,115,404
All Other Unsecured Loans/Lines of Credit 10.4008992,580,158
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.420611,202,434
Used Vehicle Loans 3.7801,21612,008,990
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.42029619,698,871
Total Other Real Estate Loans/Lines of Credit 5.0001493,385,204
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.3705283,639,229
TOTAL LOANS & LEASES 4,71845,630,290

Northern Communities Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 444,624,1277858,735
    b. 15 Years or less 545,817,1393432,200
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 1325,115,64918886,103
Adjustable Rate > 1 yr 664,141,9562217,000


Closed-End Fixed Rate 5142,66900
Closed-End Adjustable Rate 16,80200
Open-End Adjustable Rate 1112,724,61922443,062
Open-End Fixed Rate 32511,11400
TOTALS 44523,084,075522,837,100


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Northern Communities Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes