Welcome to Northern Communities Credit Union!

We think your Credit Union should make you SMILE!

Membership at NCCYou is open to anyone who lives, works, worships, or attends school in St. Louis Country, 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!  So, what does it mean to be a “member”?  When you become a member of a credit union, 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 lower lending rates, lower fees, support for your community and more.

We offer all of the same services the big banks do, with none of the drawbacks!  You can use our free mobile app, online banking, text banking, 24 hr 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.

It’s really easy to become a member!  We will need a valid photo ID with a current address and $5 from you to start your account.  Our Member Service Representatives will get you all set up and make sure you have all of the products and services that are beneficial to you.  Click below to become a member today!


NCCYou is federally insured by the NCUA and is an Equal Housing Lender.



You can now open your account and become a member at NCCYou online!  

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 Thinking about switching to NCCYou but the thought of contacting those utilities to switch automatic payments and changing direct deposits sound annoying?  We hear ya!  So we have partnered with a company called ClickSWITCH to offer you their easy account switching services at no charge to you!  

We help you get it started and you take it from there, with our help if you need it. 

Click HERE for more information, frequently asked questions, and even a “how-to” video!

USA PATRIOT ACT- Important Information About Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you:  When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.  


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