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

Current rates for Northwoods Community Credit Union include: 12-Month CD: 2.11%, 18-Month CD: 1.81%, 24-Month CD: 1.86%, Savings: 0.15%

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Northwoods Community Credit Union

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Northwoods Community Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northwoods 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

Northwoods Community Credit Union's 6 Month Youth CD rates are at 5.06%, CD 6 Month rates are at 3.38%, CD 6 Month rates are at 3.38%, CD 6 Month rates are at 3.38%, CD 6 Month rates are at 3.33%. Northwoods Community Credit Union's savings rates are at 0.15%. MonitorBankRates evaluates the financial stability of Northwoods Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.38%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.38%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Northwoods Community Credit Union
Northwoods Community Credit Union

1224 4th Ave S
Park Falls, WI 54552-1923

https://www.northwoodscu.com

Northwoods Community Credit Union CD Rates

Product	Rate	APY	Term
6 Month Youth share certificate	5.00%	5.06%	6 Month
Min Deposit $100 Details Teen Cents Club Junior Savers Kangaroo Kids Club Minimum $100.00 Maximum $5,000.00 (Aggregate) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 6 Month	3.35%	3.38%	6 Month
Min Deposit $2,000 Details Required Deposit: $2,000.00 to $9,999.00; Premier Account Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 6 Month	3.35%	3.38%	6 Month
Min Deposit $10,000 Details Required Deposit: $10,000.00 to $49,999.00; Premier Account Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 6 Month	3.35%	3.38%	6 Month
Min Deposit $50,000 Details Required Deposit: $50,000.00 and up; Premier Account Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 6 Month	3.30%	3.33%	6 Month
Min Deposit $2,000 Details Required Deposit: $2,000.00 to $9,999.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 6 Month	3.30%	3.33%	6 Month
Min Deposit $10,000 Details Required Deposit: $10,000.00 to $49,999.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 6 Month	3.30%	3.33%	6 Month
Min Deposit $50,000 Details Required Deposit: $50,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 12 Month	2.95%	2.97%	12 Month
Min Deposit $50,000 Details Required Deposit: $50,000.00 and up; Premier Account Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 12 Month	2.90%	2.92%	12 Month
Min Deposit $50,000 Details Required Deposit: $50,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 12 Month	2.55%	2.57%	12 Month
Min Deposit $10,000 Details Required Deposit: $10,000.00 to $49,999.00; Premier Account Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 12 Month	2.50%	2.52%	12 Month
Min Deposit $10,000 Details Required Deposit: $10,000.00 to $49,999.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 12 Month	2.15%	2.16%	12 Month
Min Deposit $2,000 Details Required Deposit: $2,000.00 to $9,999.00; Premier Account Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 12 Month	2.10%	2.11%	12 Month
Min Deposit $2,000 Details Required Deposit: $2,000.00 to $9,999.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 24 Month OR 36 Month	2.10%	2.11%	24 Month
Min Deposit $50,000 Details Required Deposit: $50,000.00 and up; Premier Account Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 18 Month	2.05%	2.06%	18 Month
Min Deposit $50,000 Details Required Deposit: $50,000.00 and up; Premier Account Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 24 Month OR 36 Month	2.05%	2.06%	24 Month
Min Deposit $50,000 Details Required Deposit: $50,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 18 Month	2.00%	2.01%	18 Month
Min Deposit $50,000 Details Required Deposit: $50,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 24 Month OR 36 Month	2.00%	2.01%	24 Month
Min Deposit $10,000 Details Required Deposit: $10,000.00 to $49,999.00; Premier Account Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 18 Month	1.95%	1.96%	18 Month
Min Deposit $10,000 Details Required Deposit: $10,000.00 to $49,999.00; Premier Account Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 24 Month OR 36 Month	1.95%	1.96%	24 Month
Min Deposit $10,000 Details Required Deposit: $10,000.00 to $49,999.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 18 Month	1.90%	1.91%	18 Month
Min Deposit $10,000 Details Required Deposit: $10,000.00 to $49,999.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 24 Month OR 36 Month	1.90%	1.91%	24 Month
Min Deposit $2,000 Details Required Deposit: $2,000.00 to $9,999.00; Premier Account Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 18 Month	1.85%	1.86%	18 Month
Min Deposit $2,000 Details Required Deposit: $2,000.00 to $9,999.00; Premier Account Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 24 Month OR 36 Month	1.85%	1.86%	24 Month
Min Deposit $2,000 Details Required Deposit: $2,000.00 to $9,999.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Certificate 18 Month	1.80%	1.81%	18 Month
Min Deposit $2,000 Details Required Deposit: $2,000.00 to $9,999.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Northwoods Community Credit Union Savings Rates

Product	Rate	APY
Premier IRA Club Savings	3.25%	3.30%
Min Balance $100,000 Details Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Balance: >$100,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier IRA Club Savings	3.20%	3.25%
Min Balance $75,000 Details Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Balance: $75,000.00 - $100,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier IRA Club Savings	3.15%	3.20%
Min Balance $50,000 Details Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Balance: $50,000.00 -$75,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier IRA Club Savings	3.10%	3.14%
Min Balance $25,000 Details Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Balance: $25,000.00 -$50,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Club Savings	3.00%	3.04%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier IRA Club Savings	3.00%	3.04%
Min Balance $5,000 Details Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate; Balance: <$25,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Christmas Club	1.00%	1.00%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier Share Savings	0.25%	0.25%
Min Balance $10,000 Details Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive rate; Balance: >$10,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier Share Savings	0.22%	0.22%
Min Balance $5,000 Details Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive rate; Balance: $5,000.00 - $10,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Kangaroo Kids Club Junior Savers Teen Cents Club	0.20%	0.20%
Min Balance $5 Details Balance: $5.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier Share Savings	0.20%	0.20%
Min Balance $5,000 Details Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive rate; Balance: $5,000.00 - $10,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Open Club (21 and over)	0.15%	0.15%
Min Balance $100 Details Balance: $100.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Open Club (Under 21)	0.15%	0.15%
Min Balance $5 Details Balance: $5.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Savings (21 and over)	0.15%	0.15%
Min Balance $100 Details Balance: $100.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Savings (Under 21)	0.15%	0.15%
Min Balance $5 Details Balance: $5.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Tax & Insurance Club	0.15%	0.15%
Min Balance $100 Details Balance: $100.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Northwoods Community Credit Union Checking Rates

Product	Rate	APY
Premier Checking (Share Draft)	0.20%	0.20%
Min Balance $5,000 Details Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive rate; Balance: $5,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Preferred Checking (Share Draft)	0.15%	0.15%
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Preferred Plus Checking (Share Draft)	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

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

Northwoods Community Credit Union’s Texas Ratio rose from 1.94% in Q2 2023 to 3.38% 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

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	$94M	3.38%	5.0	A+
December 31, 2025	$93M	3.90%	5.0	A+
September 30, 2025	$93M	4.03%	5.0	A+
June 30, 2025	$93M	3.62%	5.0	A+
March 31, 2025	$98M	5.51%	5.0	A+
December 31, 2024	$95M	4.90%	5.0	A+
September 30, 2024	$91M	4.09%	5.0	A+
June 30, 2024	$90M	2.83%	5.0	A+
March 31, 2024	$90M	3.07%	5.0	A+
December 31, 2023	$89M	3.53%	5.0	A+
September 30, 2023	$92M	2.34%	5.0	A+
June 30, 2023	$92M	1.94%	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 Northwoods 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 Northwoods 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 Northwoods Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Northwoods Community Credit Union

Website https://www.northwoodscu.com

Address 1224 4th Ave S, Park Falls, WI 54552-1923

Phone 715-762-3208

Fax 725-762-3490

President Roger Strand

CEO Sally Zoesch

Full-Time Employees 24

Part-Time Employees 3

Branch Locations 2

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.38%

Return on Assets (ROA)

0.0821%

Return on Equity (ROE)

0.7712%

Non-Performing Loans Ratio (NPL)

0.75%

Total Assets

93,738,928

Total Amount of Shares and Deposits

83,011,956

Total Shares and Deposits < 1 Year

82,720,204

Total Shares and Deposits 1 3 Years

291,752

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

2,517,689

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

2,517,689

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

80,494,267

Total Interest Expense (Sum of items 6 8)

131,341

Share Certificates

523

Number of Accounts for Share Drafts

4,860

IRA KEOGH Accounts

174

Number of Accounts for Regular Shares

9,562

Net Income (unless the amount is already included in Undivided Earnings)

76,988

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)

9,508,302

Total Liabilities

83,756,607

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Northwoods 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Northwoods Community Credit Union

How many branches does Northwoods Community Credit Union operate?

Northwoods 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 Northwoods Community Credit Union?

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

Does Northwoods Community Credit Union offer online and mobile banking?

Most modern institutions like Northwoods 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.northwoodscu.com.