What are the current interest rates at Northridge Community Credit Union?

Current rates for Northridge Community Credit Union include: 12-Month CD: 4.06%, 24-Month CD: 3.29%, 60-Month CD: 3.49%, MMA: 0.50%

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Northridge Community Credit Union

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Northridge Community Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northridge Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Northridge Community Credit Union's 6 Month CD of Deposit rates are at 4.31%, 12 Month IRA CD of Deposit rates are at 4.10%, 12 Month CD of Deposit rates are at 4.06%, 48 Month IRA CD of Deposit rates are at 3.50%, 48 Month CD of Deposit rates are at 3.49%. Northridge Community Credit Union's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of Northridge Community Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.95%. Rates last updated and verified on 09/22/2026.

Northridge Community 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 Northridge Community Credit Union? Share your experience about Northridge Community Credit Union by leaving a review below, or read customer reviews before you decide to use Northridge Community Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.95%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Northridge Community Credit Union
Virginia Office

921 17th St S
Virginia, MN 55792

https://www.nrccu.org

Northridge Community Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificate of Deposit	4.25%	4.31%	6 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%
12 Month IRA Certificate of Deposit	-	4.10%	12 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%
12 Month Certificate of Deposit	4.00%	4.06%	12 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%
48 Month IRA Certificate of Deposit	-	3.50%	48 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%
48 Month Certificate of Deposit	3.45%	3.49%	48 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%
60 Month Certificate of Deposit	3.45%	3.49%	60 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%
24 Month Certificate of Deposit	3.25%	3.29%	24 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%
24 Month IRA Certificate of Deposit	-	3.29%	24 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%
36 Month Certificate of Deposit	3.25%	3.29%	36 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%
36 Month IRA Certificate of Deposit	-	3.29%	36 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%

Northridge Community Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	2.00%
Min Balance $100,000 Details Balance: $100,000.00 or greater Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%
Money Market	-	1.50%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%
Money Market	-	1.00%
Min Balance $7,500 Details Balance: $7,500.00 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%
Money Market	-	0.50%
Min Balance $1,500 Details Balance: $1,500.00 to $7,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.95%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Northridge Community Credit Union’s Texas Ratio rose from 11.15% in Q2 2023 to 14.95% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$110M	14.95%	5.0	A-
December 31, 2025	$114M	22.19%	4.4	B-
September 30, 2025	$110M	16.89%	4.8	B+
June 30, 2025	$111M	19.80%	4.6	B
March 31, 2025	$111M	12.63%	5.0	A
December 31, 2024	$114M	22.19%	4.4	B-
September 30, 2024	$109M	16.85%	4.9	A-
June 30, 2024	$106M	12.89%	5.0	A
March 31, 2024	$107M	17.52%	4.8	B+
December 31, 2023	$105M	14.78%	5.0	A-
September 30, 2023	$102M	12.27%	5.0	A
June 30, 2023	$103M	11.15%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Northridge Community 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 Northridge Community 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 Northridge Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Northridge Community Credit Union

Website https://www.nrccu.org

Address 921 17th St S, Virginia, MN 55792

Phone 218-748-2609

Fax 218-741-8385

President Ryan Rediske

CEO Nicholas Mathiowetz

Full-Time Employees 31

Part-Time Employees 1

Branch Locations 5

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.95%

Return on Assets (ROA)

0.6357%

Return on Equity (ROE)

4.0597%

Non-Performing Loans Ratio (NPL)

3.06%

Total Assets

109,570,939

Total Amount of Shares and Deposits

91,312,163

Total Shares and Deposits < 1 Year

86,295,903

Total Shares and Deposits 1 3 Years

4,970,523

Total Shares and Deposits > 3 Years

45,737

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

155,334

Total Uninsured Shares and Deposits > $250K (F+J)

155,334

Total Insured Shares and Deposits > $250K (item 17 less item K)

91,156,829

Total Interest Expense (Sum of items 6 8)

343,480

Share Certificates

610

Number of Accounts for Share Drafts

5,365

IRA KEOGH Accounts

155

Number of Accounts for Regular Shares

9,952

Non Member Deposits

Money Market Shares

115

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)

7,552,339

Total Liabilities

92,417,528

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Northridge Community Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Northridge Community Credit Union

How many branches does Northridge Community Credit Union operate?

Northridge Community 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 Northridge Community Credit Union?

Yes, to access services at Northridge Community 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, Northridge Community 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, Northridge Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Northridge Community Credit Union offer online and mobile banking?

Most modern institutions like Northridge Community 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.nrccu.org.