Accounts

When you become a member of a credit union like NCCYou, you become part owner and your money is used to help you and other members succeed financially. We don’t operate for profit, we operate under the model “People helping people.” That means your money comes back to you in the form of better lending rates, lower fees, support for your community and more. 

We offer all of the same services big banks do, with none of the drawbacks! You can use our free mobile app, online banking, 24 hour ATMs, Visa credit and debit cards, and more! We are also part of the Co-op Shared Branching network so you can do your banking at thousands of credit unions nationwide.

1.  Review your eligibility: Membership at NCCYou is open to anyone who lives, works, worships, or attends school in St. Louis County, MN; as well as the spouse, blood or adoptive relative of a member. That includes a whole lot of people and it might just mean YOU!

2. Gather your information: you will need a non-expired, government issued ID (drivers license, state ID, tribal ID, or passport). When applying online you will need to upload this documentation in a digital format. Your address. Your Social Security Number. A debit or credit card to fund your new account. 

3. Open your account: A Regular Share Savings account establishes your credit union membership. A $5 opening deposit represents your share in our cooperative and is required for all members. If you’d like to open additional accounts, please specify in your application.