North Shore

85 Outer Drive, Silver Bay, MN 55614

NCUA Insured4.8 (19 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1967

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 Silver Bay, 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

1 charter

Established in 1967

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

85 Outer Drive

Silver Bay, MN 55614

Google Maps 🗺Waze

(218) 226-4401

Service Area

This credit union is located in Silver Bay and serves members in the MN area. Currently serving 13,848 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

5.99%

Used Auto Loan

5.99%

Personal Loan

9.99%

Credit Card APR

9.99%

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 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(8 total)

Member Reviews

4.8

19 Google reviews

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

View on Google Maps

Peggy Wilson

2 years ago

I have banked with NSFCU for many years,I have never had a bad experience with them,the people who work there are very knowledgeable,helpful and kind.All of my banking from my mortgage loans to unsecured loans and regular accounts are with them.They get a five star rating from me.

Mary Guzzo

2 years ago

The customer service is above and beyond. NSFCU has every convenience you need to manage your money and stay on budget. My favorite thing about NSFCU is their community involvement. They are always taking part in events and so supportive.

Zachary Kesselring

3 years ago

If you are thinking of acquiring any loan with North shore federal credit union, I highly recommend you look elsewhere. Auto payments, additional payments, their online system as a whole, customer service knowledge, ect has been a total pain every step of the way. When I decided to pay off the loan I had to take it to them personally or mail them a check. I mailed them a check, they cashed it, and then 3 weeks later, after persistently calling nick and roxan I finally got my title. And this wasn’t shipping issues, they just never did it even after I called multiple times and they said they did. Nick and Roxan was not the problem, they were kind but the manager sucked so it looked poorly on them. All they could say was that something was not working. They had no recourses to help solve the problem. Again, the manager or whatever cranky lady who I had to deal with absolutely sucked. This bank will try and nickel and dime you. Horrible experience. Hopefully no one else has to deal with them. I’m thrilled I will never have to deal with north shore federal credit union ever again.

Carol Leahy

2 years ago

Love the feel of small town banks. You are greeted like a friend and are able to easily do any business you need. I do miss the drive up teller in person though.

Eillil S

6 years ago

I have been to about all of the NSFCU on the North Shore. Silver Bay was probably my best experience that is why this post gets 5 stars. As for all of the other locations, there is atleast 1 rude bank teller at each but never have ran into an issue in silver bay.