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UPDATE: NCCYou Credit Cardholders

We received notification that the credit cards are now working properly online!

Thank you so much for your patience during the conversion.

Important Account Information

Please note that beginning March 31st, 2016, accounts that receive paper statements will be charged a fee of $2.95 per statement issue, with the exception of account holders ages 17 & under and 65 & older.

TO AVOID THIS FEE, please log in to Access24 and sign up for e-statements. If you have never used Access24 please click here to read directions for first-time users.

 E-statements are simply electronic statements – when your statement is ready to view you will receive an email notification that statements are available. You can view your statement by logging in to Access24 and using the “Online Services” tab.

You can always access your account by using Access24. Make a payment, make transfers, check your balance, pay more bills and much more. Give it a try! For help getting started, call us at (218) 279-3200.

Your Minimum Required Balance has Changed

The Board of Directors of NCCYou has approved reducing the minimum required balance from $25.00 to $5.00 effective October 1, 2015. Please note that your available funds will reflect the change.

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!

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Membership with Northern Communities Credit Union is open to anyone who lives, works, worships, or attends school in St. Louis County, or is the relative of someone who is a member. Federally Insured by NCUA. Equal Housing Lender.


  • Arrowhead
    3311 W. Arrowhead Rd.
    Duluth, MN 55811
  • Woodland • Shops at Bluestone
    1004 Woodland Ave.
    Duluth, MN 55803
  • Virginia • Mountain Iron
    800 S. 16th Ave.
    Virginia, MN 55792
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Northern Communities Credit Union (NCCYou) is announcing that President/CEO Larry Champeaux will retire December 2, 2016. Trina Hoff, currently NCCYou’s Executive Vice President, will assume the role of President/CEO at that time.

Trina has been an employee of NCCYou for 22 years. She lives in Eveleth with her husband, Nick, 19-year-old son Jake, and 12-year-old step-daughter Samantha. She works in both the Duluth and Virginia offices regularly, but is mostly stationed out of Duluth. “My leadership style embraces an open-door policy in which honest and truthful communications are a top priority, and each employee and member is ensured of his/her personal value and importance,” she says.

Larry Champeaux is pleased with the choice made by the board to name Hoff as his successor. “She's a young professional and has over 20 years of experience at the credit union. To have that combination of experience and youth...I think the credit union is in great hands moving forward.”

Larry has 28 years of experience at credit unions, and has been with NCCYou for 8 of those. When asked what he will miss most about the credit union, he said without hesitation, “That's easy, that'll be the staff. We have the best staff to work with. Good, wonderful people. I'll miss them, I truly will.” In retirement, he’ll be spending more time with his wife, Becky, his two adult children, and his eight grandchildren. He’s also looking forward to spending time outdoors hunting, fishing, and golfing.

Grant Forsyth, Chairman of the credit union’s Board of Directors, is confident that the credit union is at a great place due to the hard work of Larry Champeaux, and that it will continue to move in a positive direction under the new President/CEO. “Through the last eight years, [Larry] has provided excellent leadership and guidance for our credit union...he came in and did some reorganizing and reworking of the credit union to make us more profitable and secure.”

“After lengthy reviews, the Board of Directors has chosen Trina Hoff to take on the role of President/CEO of Northern Communities Credit Union. She has a long history with our credit union and we believe that she will provide excellent leadership,” Forsyth said when asked about the transition.

Trina is looking forward to taking on this new role and to continue encouraging the NCCYou community with a positive philosophy. “A happy workplace is a successful workplace, and I will foster this attitude every day to ensure we are meeting the needs of our employees, our members and the credit union. It is truly an honor that the board of directors has chosen me to lead this credit union.”
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NCCYou will be closed November 24 so that we may spend time with our families. We wish everyone a Happy Thanksgiving. ... See MoreSee Less

Congrats to our winners of the two Hunter's Survival Baskets: Megan Anderson and Brandi Malenius-Kaufman. Thank you to all for participating. Winners, please check your inbox for instructions on claiming your prize! ... See MoreSee Less

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