--- title: "North Iowa Community Credit Union Rates (Nov 2026): CDs to 3.25%" description: "North Iowa Community Credit Union rates today: savings & CDs up to 3.25% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join North Iowa Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/iowa/north-iowa-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # North Iowa Community Credit Union Rates (Nov 2026): CDs to 3.25% ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **New/Program Vehicles- 750+ Beacon Score (48 Months)** auto_new_48mo | — APR | 5.340% | 48 mo · new | Standard | | **New/Program Vehicles- 750+ Beacon Score (60 Months)** auto_new_60mo | — APR | 5.490% | 60 mo · new | Standard | | **New/Program Vehicles- 750+ Beacon Score (66 Months)** auto_new_66mo | — APR | 5.540% | 66 mo · new | Standard | | **New/Program Vehicles- 750+ Beacon Score (72 Months**)** auto_new_72mo | — APR | 5.590% | 72 mo · new | Standard | | **New/Program Vehicles- 750+ Beacon Score (84 Months)** auto_new_84mo | — APR | 5.640% | 84 mo · new | Standard | | **48-Month Used Auto Loan (2021–2023)** auto_used_48mo | — APR | 5.840% | 48 mo · used | Standard | | **60-Month Used Auto Loan (2021–2023)** auto_used_60mo | — APR | 5.990% | 60 mo · used | Standard | | **66-Month Used Auto Loan (2021–2023)** auto_used_66mo | — APR | 6.040% | 66 mo · used | Standard | | **72-Month Used Auto Loan (2021–2023)** auto_used_72mo | — APR | 6.090% | 72 mo · used | Standard | | **84-Month Used Auto Loan (2021–2023)** auto_used_84mo | — APR | 6.140% | 84 mo · used | Standard | | **Consumer Secured** auto_any_48mo | — APR | 8.640% | 48 mo | Standard | North Iowa Community Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Signature Loan** personal_unsecured | — APR | 9.240% | — | Standard | | **Overdraft Line of Credit** personal | — APR | 16.000% | — | Standard | North Iowa Community Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 10.990% | — | Standard | North Iowa Community Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Blue Chip (min $1000)** savings | 1.00% APY | 1.00% | — | Standard | | **Share Certificates (CD s)*** (36 months)** share_certificate_36mo | 2.80% APY | 2.76% | 36 mo | Standard | | **Share Certificates (CD s)*** (60 months)** share_certificate_60mo | 3.00% APY | 2.96% | 60 mo | Standard | | **Youth Club Account** savings | 3.00% APY | 2.96% | — | Eligibility restricted | | **Share Certificates (CD s)*** (48 months)** share_certificate_48mo | 3.00% APY | 2.96% | 48 mo | Standard | | **Share Certificates (CD s)*** (24 months)** share_certificate_24mo | 3.25% APY | 3.20% | 24 mo | Standard | | **Share Certificates (CD s)*** (6 months)** share_certificate_6mo | 3.25% APY | 3.20% | 6 mo | Standard | | **Share Certificates (CD s)*** (12 months)** share_certificate_12mo | 3.25% APY | 3.20% | 12 mo | Standard | North Iowa Community Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 3.25% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/iowa/north-iowa-community) , verified from [North Iowa Community Credit Union's official website](https://niccu.com/) Loading branch locator… ## About North Iowa Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 11.3K Assets $128.5M Founded 1956 Locations reported 4 NCUA charter 64191 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Cent** CENT Credit Union main office · Mason City · IA · 50401-3219 About 0.2 miles away](https://rateapi.dev/credit-unions/iowa/cent) [**Gas & Electric Employees** Gas & electric Employees Credit Union · mason city · IA · 50401 About 1.3 miles away](https://rateapi.dev/credit-unions/iowa/gas-electric-employees) [**Iowa Heartland** IOWA HEARTLAND CREDIT UNION · MASON CITY · IA · 50401 About 1.3 miles away](https://rateapi.dev/credit-unions/iowa/iowa-heartland) [**Citizens Community** Citizens Community Credit Union · Lake Mills · IA · 50450 About 24.9 miles away](https://rateapi.dev/credit-unions/iowa/citizens-community) [**Family Community** Family Community Credit Union · Charles City · IA · 50616-1320 About 27.1 miles away](https://rateapi.dev/credit-unions/iowa/family-community) [**Trades & Labor** TRADES & LABOR FCU · ALBERT LEA · MN · 56007-4526 About 34.9 miles away](https://rateapi.dev/credit-unions/minnesota/trades-labor) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join North Iowa Community Credit Union Membership eligibility from North Iowa Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on North Iowa Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location butler, cerro gordo, franklin, floyd, hancock, mitchell, winnebago, worth, wright — IA Verified from [North Iowa Community Credit Union's membership page](https://niccu.com/jointoday/) . Final membership determination is always made by the credit union. ## Membership rules for North Iowa Community Credit Union Geography 9 counties · Family 2 20 published paths to membership, last verified August 27, 2026, quoted from North Iowa Community Credit Union’s own published criteria. ### Geography 9 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Butler County, IA - Cerro Gordo County, IA - Floyd County, IA - Franklin County, IA - Hancock County, IA - Mitchell County, IA - Winnebago County, IA - Worth County, IA - Wright County, IA “You may be eligible for membership if you are a resident of or are working in Butler, Cerro Gordo, Franklin, Floyd, Hancock, Mitchell, Winnebago, Worth, or Wright County or have someone in your family that is an eligible member.” > [source ↗](https://niccu.com/jointoday/) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member family “You may be eligible for membership if you are a resident of or are working in Butler, Cerro Gordo, Franklin, Floyd, Hancock, Mitchell, Winnebago, Worth, or Wright County or have someone in your family that is an eligible member.” > [source ↗](https://niccu.com/jointoday/) - Family member (family) of a member - Family of a member spouse, child, parent, sibling, grandparent, grandchild “Once you become a member, your family members may join also, including spouses, children, parents, brothers, sisters, grandparents, and grandchildren.” > [source ↗](https://niccu.com/jointoday/) - Family member (spouse, child, parent, sibling, grandparent, grandchild) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for North Iowa Community Credit Union? Yes No ## Work at North Iowa Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where North Iowa Community Credit Union ranks against Iowa peers. - See which AI assistants fetched North Iowa Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Iowa - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=north-iowa-community&state=iowa&code=IA&name=North%20Iowa%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does North Iowa Community Credit Union offer? North Iowa Community Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are North Iowa Community Credit Union rates updated? RateAPI verifies North Iowa Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get North Iowa Community Credit Union's rate data? Rate data is collected directly from North Iowa Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is North Iowa Community Credit Union's best CD rate? As of November 12, 2026, North Iowa Community Credit Union offers savings and certificate (CD) yields up to 3.25% APY. ### Who can join North Iowa Community Credit Union? North Iowa Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 20 published membership paths covering 9 counties for North Iowa Community Credit Union, each quoted from North Iowa Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare North Iowa Community Credit Union's rates against national credit-union benchmarks. [More Iowa credit unions](https://rateapi.dev/credit-unions/iowa) [Iowa auto loan rate leaders](https://rateapi.dev/auto-loan-rates/iowa) [Iowa personal loan leaders](https://rateapi.dev/personal-loan-rates/iowa) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://niccu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track North Iowa Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Iowa credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for North Iowa Community Credit Union curl "https://api.rateapi.dev/credit-unions/iowa /north-iowa-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## North Iowa Community Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/iowa/north-iowa-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp