Northwoods

1702 Avenue B, Cloquet, MN 55720

NCUA Insured3.8 (56 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1936

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 Cloquet, MN 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 1936

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

1702 Avenue B

Cloquet, MN 55720

Google Maps 🗺Waze

(218) 879-4181

Service Area

This credit union is located in Cloquet and serves members in the MN area. Currently serving 11,783 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

6.17%

Used Auto Loan

7.66%

Personal Loan

12.92%

Credit Card APR

10.51%

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 MN

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

Mayo Employees— New Auto Loan

Rochester, MN

1.99%

Crow Wing Power— Used Auto Loan

Brainerd, MN

4.29%

Pipefitters-Steamfitters— Personal Loan

Woodbury, MN

7.75%

Greater Community— Credit Card APR

Dawson, MN

6.90%

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

Branches & Locations(5 total)

Member Reviews

3.8

56 Google reviews

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

View on Google Maps

Suzanne Anich

5 months ago

Andrea H. is phenomenal at her job! She has a quality no other person has. She is patient, kind, and smart. I had an issue for over 2 weeks, and was calling and spoke to several people in the call center. She is the only one who could fix my issue - because she knows how to listen.

April gundy

7 months ago

Great place to bank. The staff are friendly and always are there to help. Never had any problems here and I have been banking here for about 12 years.

Courtney Thompson

5 months ago

Hungry for overdraft fees. Happens often even though I have multiple accounts with more than enough funds available to cover the balance needed.

Kevin *Gumby* La Chapelle

2 years ago

The worst customer service I've ever encountered. I wasn't sure what I needed to do to use the mobile deposit on their app. Call customer service was told to sign it put the account number and take a clear picture. Come to find out check was rejected because was never told to write Mobile deposit on back of check. I don't have the check anymore and they're not willing to do anything to help me resolve the matter. So now I'm out $500. I tried talking with several people at the bank and none willing to help. I don't recommend anybody using this Bank

Brandon Shelhon

a year ago

I wouldn't even give them one star.It would be a negative 5 star review.This is the worst place you could ever go to far.Is having any kind of money saved or any kind of money going into a account If you were to ever put any kind of money into this credit Union, I would highly suggest have a lawyer on retainer. And even then I would never put money into this institute. They will take your money away from you, no matter what. And they are very rude to deal with. They do not care about the community Because if they cared about the community, they would not screw the people over that bank with them.