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iAdvertiser Disclosure
Advertiser Disclosure
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 North Memorial Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 21, 2026
North Memorial Federal Credit Union's 12 month 1 Year CD rates are at 3.00%, 12 month IRA 1 Year CD rates are at 3.00%, 60 month 5 Year CD rates are at 2.75%, 60 month 5 Year "Step Up" Rate CD rates are at 2.55%, 48 month 4 Year CD rates are at 2.50%. North Memorial Federal Credit Union's savings rates are at 0.05%. North Memorial Federal Credit Union's money market rates are at 0.50%. North Memorial Federal Credit Union's Auto Loan Rates are as low as 4.49%. MonitorBankRates evaluates the financial stability of North Memorial Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.20%. Rates last updated and verified on 09/21/2026. North Memorial Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at North Memorial Federal Credit Union? Share your experience about North Memorial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use North Memorial Federal Credit Union. North Memorial Federal Credit Union
North Memorial FCU 3300 Oakdale Ave N
https://www.northmemorialfcu.com Robbinsdale, MN 55422-2926 
North Memorial Federal Credit Union CD Rates
North Memorial Federal Credit Union Savings Rates
North Memorial Federal Credit Union Money Market Rates
North Memorial Federal Credit Union Checking Rates
North Memorial Federal Credit Union Auto Loan Rates
North Memorial Federal Credit Union Other Rates
Financial Health HistoryNorth Memorial Federal Credit Union’s Texas Ratio rose from 1.51% in Q2 2023 to 3.20% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for North Memorial Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather North Memorial Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with North Memorial Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
North Memorial Federal Credit Union
Website
https://www.northmemorialfcu.com
Address
3300 Oakdale Ave N,
Robbinsdale, MN 55422-2926
Phone
763-367-7700
Fax
763-367-7725
President
Steven Miller
CEO
Dana Garrett
Full-Time Employees
12
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.20%
Return on Assets (ROA)
0.2602%
Return on Equity (ROE)
2.2540%
Non-Performing Loans Ratio (NPL)
0.67%
Total Assets
50,878,963
Total Amount of Shares and Deposits
44,791,273
Total Shares and Deposits < 1 Year
43,501,433
Total Shares and Deposits 1 3 Years
915,812
Total Shares and Deposits > 3 Years
374,029
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,266,038
Total Uninsured Shares and Deposits > $250K (F+J)
2,266,038
Total Insured Shares and Deposits > $250K (item 17 less item K)
42,525,235
Total Interest Expense (Sum of items 6 8)
85,093
Share Certificates
403
Number of Accounts for Share Drafts
2,149
IRA KEOGH Accounts
147
Number of Accounts for Regular Shares
5,311
Money Market Shares
103
Net Income (unless the amount is already included in Undivided Earnings)
132,407
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,448,019
Total Liabilities
45,004,774
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About North Memorial Federal Credit UnionHow many branches does North Memorial Federal Credit Union operate?North Memorial Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join North Memorial Federal Credit Union?Yes, to access services at North Memorial Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, North Memorial Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, North Memorial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does North Memorial Federal Credit Union offer online and mobile banking?Most modern institutions like North Memorial Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.northmemorialfcu.com. Current North Memorial Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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