North Iowa Community

PO BOX 1248, Mason City, IA 50402

NCUA Insured4.4 (110 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Mason City, IA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO BOX 1248

Mason City, IA 50402

Google Maps 🗺Waze

(641) 424-2281

Service Area

This credit union is located in Mason City and serves members in the IA area. Currently serving 11,376 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.42%

Used Auto Loan

7.76%

Personal Loan

11.70%

Credit Card APR

10.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IA

Lowest rates currently reported by credit unions in IA (NCUA Q4 2025).

Telco Triad Community— New Auto Loan

Sioux City, IA

1.99%

Waterloo Firemen'S— Used Auto Loan

Waterloo, IA

2.75%

Financial Plus— Personal Loan

West Des Moines, IA

7.91%

Affinity— Credit Card APR

Des Moines, IA

8.19%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

4.4

110 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Landon Blackburn

4 months ago

Workers seem competent and willing to help. The only issue that I have is that they tend to do their server work on the website during non-business hours. This does not allow you to move money, see your balance, or lock and unlock your card. Most recent server shutdown has been for 2 days and counting.

Jennifer Simmer

10 months ago

I love my Credit Union, NICCU. The tellers are always greeting me with a smile, and willing to go the extra mile when you have complicated business to do! So glad I have joined this hometown Credit Union! Wish I would’ve chosen them sooner❤️

Elizabeth Schaer

10 months ago

✨ I LOVE my credit union — NICCU is absolutely AWESOME! ✨ This place isn’t just a bank — it’s a community. Every single time I walk in, I’m greeted with smiles and genuine kindness. The people who work there truly care about their members and go above and beyond to help however they can. A while back, my car loan was sold off by a previous lender to a shady company, and NICCU stepped in and saved the day. They worked with me and helped me get a new loan through them — no hassle, no stress. Just compassion, support, and quick solutions. 💪🚗💙 And it’s not just the banking — NICCU makes life FUN. Today was their annual pool party and it was an absolute blast! 🏖️💦 Every year they also hook us up with discounted tickets to Adventureland, which is such a cool perk. 🎢🎟️ If you’re looking for a financial institution that treats you like a person and not just a number, go with NICCU. They are truly the best — helpful, friendly, and always doing something special for their members. 🙌💚 #NICCULove #CreditUnionWin #BestBankEver

Emily Arndt

10 months ago

I have gone to the NICCU my entire life and the people there are amazing! They are always helpful and friendly. When my kids go with me, they always make sure they get suckers and it puts a smile on their face.

Rose Boehmer (Amateur artist)

10 months ago

I have banked at large banks all of my adult life (40 years) switching from one to another when the fees got too high. My husband opened his own sperate account at the Credit Union about 20 years ago. The hassles and fees that I had to deal with at my banks are nonexistent for him at the credit union. I finally switch to the credit union, I should have done it years ago. I am so very happy now.