NCCYou News

 Access24 link being updated to better serve you
To better serve you, your Online Banking Access24 link is being updated. Click Here to learn more. 

NCCYou Holiday loan duluth

Holiday Loan Special

We want to help you out during the Holiday season! Click HERE for more information!

Now Accepting Applications

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Three – 3 year terms on Board of Directors
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One – 2 year unexpired term on Supervisory Committee
One – 1 year unexpired term on Supervisory Committee

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What to do about the Equifax data security breach

The Equifax credit reporting agency revealed last week that hackers may have accessed the credit reports of more than 143 million Americans.

To read more directly from Equifax please click here.

Data Breach Identity Theft TipsAt this time, it appears there were just over 200,000 credit cards among the 143 million records potentially compromised. Equifax has indicated that debit cards were not exposed – therefore criminals are unlikely to have the capability to withdraw funds from a checking account.

However, hackers may have gotten access to addresses, birth dates, driver’s license numbers and Social Security numbers. Those records can be used to open bank and credit card accounts, file and collect tax refunds, apply for loans and more.

Our goal is to help protect you from identity theft.

The first step members should take to find out more is to visit Equifax’s website. Equifax has a tool that can help determine whether their data has been exposed.

Then, members should take steps to protect their identity, including:

  • ‣   Not responding to email, text or telephone calls asking for personal or financial information
  • ‣   Frequently reviewing account activity and immediately report unauthorized transactions
  • ‣   Placing an initial fraud alert with credit bureaus if fraud has occurred
  • ‣   Enrolling and opt-in transaction monitoring
  • ‣   Using card on/off switches (if available)
  • ‣   Enrolling in Verified by VISA / MasterCard Secure Code

Remember that NCCYou also offers an IDGuard Checking Account that includes a comprehensive Theft Monitoring and Resolution Service.
Click Here to Learn More

The Federal Trade Commission has other information on the Equifax incident:

The security of member accounts is a top priority at NCCYou. Please reach out if you have questions or concerns.

Thank you and Contact Us at anytime!

Annual Rotary Club’s Kid’s Fishing and Casting Contest

The NCCYou crew lent a hand at the Annual Rotary Club’s Kid’s Fishing and Casting Contest in Virginia on Thursday, June 9th! Mortgage Specialist Cara Ellis, Lead Teller Dana Klander, and teller Steph had a blast helping out the kids and folks from the Apple Tree Learning Center!

Thanks for having us, Apple Tree!


Lutheran Social Services Renaissance Program Donation by NCCYou Staff

Robin Vanvalkenburg, one of our Lenders from our Arrowhead Office and Cara Ellis, our Mortgage Specialist from Arrowhead and Virginia brought items that we purchased for Lutheran Social Services Renaissance Program to Tessa Losh, their Lead Youth Worker. The Renaissance Program provides transitional living for homeless youth ages 16-21. Residents receive supportive housing for up to 18 months in a shared living environment and participate in programming designed to prevent future homelessness. With guidance and support from the staff, youth develop skills needed for self-sufficiency and successful independent living, including employment, education and accessing permanent housing. The Renaissance Program is relocating and were in need of some small kitchen appliances.

The employees at Northern Communities Credit Union donated the funds for the purchases out of their “Jeans Day Fund” We truly appreciate and respect Lutheran Social Services and all they have to offer! They have done amazing things for our member’s through the years!

Visit Lutheran Social Services website to read more about the services they offer for our local youth.



Our President/CEO Has Retired. Meet His Successor…

Northern Communities Credit Union (NCCYou) former President/CEO Larry Champeaux retired December 2, 2016. Trina Hoff, NCCYou’s former Executive Vice President, assumed the role of President/CEO.

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 was 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 had 28 years of experience at credit unions, and had been with NCCYou for 8 of those. When asked what he would 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’s been 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. trina-grant

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 has been 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.”


Our 2016 Member Appreciation Week was held October 17th-21st

That’s right, we spent a whole week to celebrating YOU! Members were asked to stop by the week of Oct. 17-21 to enter to win fabulous prizes, and we held drawings each day, had fun giveaways, and a coloring contest for the kids! Prizes included an “It’s All About YOU – Movie Madness” basket that included a Redbox gift card. The Kids Coloring Contest prize was be a fun Arts & Crafts basket.


International Credit Union Day 2016

In addition to our week-long celebration, Thursday the 20th was International Credit Union Day! We displayed currencies from different countries, and served refreshments all day.


Our 2016 School Supply Drive Was A Success!

We delivered the supplies from our recent School Supply Drive to local schools around the Duluth and Virginia areas! Thanks to our staff members and their children for delivering these, and a huge thank you to everyone who donated! We hope you have a great school year!


nccyou-swopNCCYou’s Virginia/Mt. Iron Office and SWOP

This past June, The Virginia/Mt. Iron branch had the pleasure of working with young children who were job shadowing to learn more about “the real world”. SWOP is a program that is offered on the range to children between the ages of 10 and 14 where they teach life skills, engage them in the communities and empower them for the future. We had a wonderful time showing these kiddo’s what we get to do every day!

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.
*This date was previously incorrectly stated as March 1st, 2016. March 31st, 2016 is the correct date. Please excuse this error.

IDGuard Can Make a Difference for You. Activate Today

Have you activated your IDGuard Checking account? If you have the IDGuard Checking, account, you are paying $2.95 per month for the identity protection monitoring service, IDProtect®, but you must activate it to receive the benefits. To activate your service, go to and follow the directions on the screen to register. You will need to type in the activation code you received from NCCYou (please call us if it has been misplaced). Once your account is activated, you can register any debts, loans, credit cards or other items connected to your identity, and you may also register any qualifying family members. If you need assistance, please call us (218) 279-3200 or call the IDProtect customer service number at 1-877-610-7889. Everyone should have some kind of identity monitoring service, and IDGuard Checking gives you top-of-line monitoring for an incredibly low price. Please take advantage of this service and protect yourself and your family. Eligible family members are covered at no additional cost (eligible family includes: spouse, persons qualifying as domestic partner, children under 25 years of age and parent(s) who are residents of the same household). Need more information or a brochure? Call our Marketing Department by dialing extension #268 when you call the credit union!

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 Cara Ellis at 218-279-3200 Ext. 237 for more information or to set up an appointment today!

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

Student loan

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 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. winter-small

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