Tools and Resources

Make Informed Financial Decisions

From estimating a loan payment to assessing your financial wellness, get a reality check on what matters to you.

Explore all tools with a personalized account.

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All financial calculators use assumptions that may not match your situation. Consult a qualified professional when making important financial decisions.

Tools Search

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Saving and Investing

Daily Spending

Explore how small daily expenses can add up over time.

Monthly Subscriptions

Over the years, recurring monthly charges can strain your budget.

Saving for a Goal

See how long it will take to reach your savings goal.

Simple Savings

Calculate interest from savings accounts and similar savings tools.

Emergency Fund

Not sure how much to save? Explore multiple scenarios.

Net Worth

Calculate the difference between your assets and liabilities.

Long-Term Investing

Learn the magic of compounding - and the surprising impact of fees.

Share Certificate Ladder

A certificate ladder may increase your investment returns.

Compare Certificates

Compare two share certificates or similar savings options.

Retirement Income

Estimate how long your retirement savings may last.

401(k) Calculator

Estimate your future balance and employer matching scenarios.

Roth vs. Traditional IRA

What are the differences between these two popular tools?

IRA & 401(k) Withdrawal

Estimate the true cost of withdrawing, including taxes and possible penalties.

Health Savings Account

Explore the triple tax advantage of these popular savings plans.

Social Security

Estimate how much you could earn from Social Security payments.

Loans and Credit

Auto Affordability

Estimate how much car you can afford based on income and other factors.

Auto Loan

Get payments or set a desired payment to see price ranges.

Auto Refinancing

Could you save by refinancing your auto loan?

Rent Versus Buy

Estimate the difference between buying a renting a home.

Mortgage

Estimate payments and total cost, including extra payment options.

Home Affordability

Estimate the home you could afford based on income and debts.

Mortgage Refinancing

Explore potential savings and cash-out options.

Home Equity Line of Credit

Flexible options for tapping the equity of your home.

Home Equity Loan

Explore options for tapping the equity of your home.

Credit Score Estimator

Get an approximate credit score in less than a minute.

Debt-to-Income Ratio

Explore your debt-to-income ratio and learn what it means.

Snowball Versus Avalanche

Compare debt repayment strategies for up to 10 debts.

Credit Card Repayment

How long will it take to pay it off?

Debt Consolidation

Could you save money by consolidating several debts into one?

Balance Transfer

Explore potential savings from a card transfer offer.

Personal Loan

Could a personal loan be right for you?

Boat Loan

Boat loans may offer longer term options, but understand the fine print.

529 Education Savings

Project future college costs and determine the savings needed.

Student Loan

Estimate your payment for one-time or annual borrowing.

Student Loan Refinancing

Could refinancing save money?

Maximum Student Loan

A common rule of thumb based on starting salary.

Assessments and Data Tools

Avoiding Scams

Can you spot the signs of ten common financial scams?

Life Insurance

Estimate your life insurance needs in five simple steps.

Take-Home Pay Calculator

Estimate your take-home pay and compare before vs. after scenarios.

Tax Bracket Calculator

Estimate how much you may owe in taxes based on income and other factors.

Inflation Impact

See how inflation affects your purchasing power.

Identity Theft Prevention

How well do you protect your identity?

Financial Wellness

Explore your financial health in three minutes or less.

Financial Attitudes

See how closely you match one of four personality types.

Financial Stress

Check your financial stress across three key domains.

College Explorer

Get the details on thousands of colleges and universities.

Career Explorer

Videos, profiles, and salary details for hundreds of careers.

Join NCCYOU's MoneyEdu Community

Create a free account to track your spending, set financial goals, access courses, plus more!

This Week

Retirement Planning by Life Stage

This week, we'll explore steps anyone can take to work towards a secure retirement - no matter your age. It all starts with creating and maintinaing a plan.

Money skills can start early.

Interactive money games designed for kids ages 7–12.

Explore

About Us

Since 1928, Northern Communities Credit Union has been serving our members and our communities in Northern Minnesota. We started out in the “new” Duluth City Hall when it was first built in 1928 and were formerly known as the Duluth City and County Employees Credit Union, to serve employees of the City of Duluth and St. Louis County. We opened up our membership to everyone in the county in 2004. Membership is now open to anyone who lives, works, worships, or attends school in St. Louis County,

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