Northridge Community Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

nrccu.org

877-672-2848

283 Kennedy Memorial Dr
Hoyt Lakes, MN 55750

Northridge Community Credit Union is headquartered in Hoyt Lakes and is the 43^rd largest credit union in the state of Minnesota. It is also the 1,741^st largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 29 employees and 7,630 members at 5 locations. Northridge Community Credit Union's money market rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

NorthRidge Community Credit Union is open to those who live, work, worship, or attend school in the Minnesota counties of Itasca, Lake, or St. Louis.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	61257
Year Chartered	1957
Employees	29
Primary Regulator

Profit Margin
Return on Assets - YTD	1.8%
Return on Equity - YTD	13.11%
Annual Interest Income	$1.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$111.4MM$107.1MM
Loans	Q1 2025vs Q1 2024	$86.2MM$80.2MM
Deposits	Q1 2025vs Q1 2024	$96.2MM$85.5MM
Equity Capital	Q1 2025vs Q1 2024	$15.5MM$13.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1MM$654K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.1MM$2.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$274K$120K

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Northridge Community Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$0	-	NorthRidge Special Savings

Northridge Community Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.50% → $1.5k - $7.5k \| 1.00% → $7.5k - $50k \| 1.50% → $50k - $100k

Northridge Community Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	$0	$15k	Elite Evergreen Checking
OTHER TIERS: 0.10% → $25k+ \| 0.35% → $15k - $25k

Northridge Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.31%	$500	-	6 Month Fixed Rate CD
4.06%	$1k	-	12 Month Fixed Rate CD
3.49%	$1k	-	48 Month Fixed Rate CD
3.49%	$1k	-	60 Month Fixed Rate CD
3.29%	$1k	-	24 Month Fixed Rate CD
3.29%	$1k	-	36 Month Fixed Rate CD

Northridge Community Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%	$1k	-	12 Month Fixed Rate IRA
3.25%	$1k	-	24 Month Fixed Rate IRA
3.15%	$1k	-	36 Month Fixed Rate IRA
3.00%	$1k	-	48 Month Fixed Rate IRA

Locations

Northridge Community Credit Union Locations
Branch Office	283 Kennedy Memorial Dr	Hoyt Lakes, MN 55750
Branch Office	921 17th St S	Virginia, MN 55792
Branch Office	222 Main St S	Biwabik, MN 55708-3073
Branch Office	1321 E Sheridan St	Ely, MN 55731
Branch Office	4125 9th Avenue West, Suite 100	Hibbing, MN 55746-2306

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