Member Cellular Discounts with Sprint















































































































Holiday Skip-a-Pay is back! 


The holidays are an important time to make sure you know where all your money is going. With Skip-a-Pay you can save a little extra cash to use for your seasonal plans!


Members with good histories of loan repayment will receive the opportunity to skip their loan payment for December 2014 and January 2015.


Here is how you take part:

Watch your mail for a letter from us to find out if you're eligible. If you are, look at your statement or log on to Acess 24, located in the upper right corner of this page. Find your account # and loan suffix (ict's next to the account number) and then do one of the following:

•Mail the form you received with your eligibility letter back to us by November 15th. with boxes checked for each loan you wish to defer. If you do not wish to defer a loan, simply leave the appropriate boxes blank. A fee of $35 per loan, per month will be added to your loan balance, should you choose to skip-a-pay.


•Bring the form with the above information to the Credit Union and take care of your skip-a-pay in person!


If you have any questions, please call us at (218) 279-3200.


Mail forms to:

Northern Communities Credit Union

3311 West Arrowhead Road

DUluth, MN 55811




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%APR 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.


APR=Annual Percentage Rate. 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.




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!




    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.




    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!



    Your savings fedarally insured to at least $250,000 and backed by the full faith and credit of the United Stated Government. National Credit Union Administration, a U.S. Government agency.


    Equal Housing Lender