Northwoods Credit Union
Verified rate book
Current Northwoods Credit Union rates
5 published offers verified as of August 4, 2026.
Auto & vehicle rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New & Used Autos and Motorcycles 1motorcycle_any_84mo | 4.740% APR | 4.740% | 84 mo · any | Standard |
| New & Used Recreation Vehicle Loanauto_any_180mo | 5.950% APR | 5.950% | 180 mo · any | Standard |
| New & Used Recreation Vehicle Loans 4 ATV's, Snowmobiles, Boats, Campers, RVs, Commercial Equipmentpowersports_any_180mo | 5.950% APR | 5.950% | 180 mo · any | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loan (Fixed)heloc_fixed | 5.920% APR | 5.920% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 60-Month Unsecured Personal Loanpersonal_unsecured_60mo | 10.700% APR | 10.700% | 60 mo | Standard |
Vehicle loans available from 4.74% APR for 84 months. HELOC rates from 5.92% APR. Personal loan rates from 10.7% APR.
Source: RateAPI.dev, verified from Northwoods Credit Union's official website
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About Northwoods Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 11.7K
- Assets
- $178M
- Founded
- 1936
- Locations reported
- 5
- NCUA charter
- 62847
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Student scholarships
Source: NCUA quarterly call report. 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.
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 Northwoods Credit Union
Membership eligibility from Northwoods Credit Union's own published criteria. How we verify this.
Membership via employers (Carlton County Employees +16 more)
- LocationCarlton, Pine, St Louis, Douglas, Burnett, Aitkin, Kanabec, Itasca
- EmployerCarlton County Employees, Carlton School District, Casino Pizza & Sub Shop, City of Carlton/Carlton Fire Department, City of Wrenshall / Wrenshall Fire Department, Potlatch Cloquet Terminal Railroad, Cloquet Transit / LCS Coaches, Community Printing, Esko School District, Inter-Faith Care Center, RAM Mutual Insurance Company, Ray Riihiluoma, Inc, Re/Max of Cloquet, Sappi North America, Upper Lakes Foods, WKLK Radio Station, VFW of Carlton
Verified from Northwoods Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does Northwoods Credit Union offer?
Northwoods Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Northwoods Credit Union rates updated?
RateAPI verifies Northwoods Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Northwoods Credit Union's rate data?
Rate data is collected directly from Northwoods Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Northwoods Credit Union's auto, motorcycle & powersports loan rates?
As of August 4, 2026, Northwoods Credit Union offers vehicle loans from 4.74% APR.
What is Northwoods Credit Union's HELOC rate?
As of August 4, 2026, Northwoods Credit Union offers home equity lines of credit from 5.92% APR.
What is Northwoods Credit Union's personal loan rate?
As of August 4, 2026, Northwoods Credit Union offers personal loans from 10.7% APR.
Related Rate Data
Compare Northwoods Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Northwoods Credit Union
curl "https://api.rateapi.dev/credit-unions/minnesota/northwoods" \
-H "Authorization: Bearer YOUR_API_KEY"