Credit Unions in Duluth, MN
7 member-owned, NCUA-insured credit unions headquartered in or near Duluth, serving a combined 84,546 members. The largest is Members Cooperative. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Members Cooperative
DULUTH, MN🇺🇸
60,378 members
Credit Unions & BankingView details →Harbor Pointe
DULUTH, MN🇺🇸
7,971 members
Credit Unions & BankingView details →Northern Communities
DULUTH, MN🇺🇸
6,897 members
Credit Unions & BankingView details →Minnesota Power Employees
DULUTH, MN🇺🇸
4,860 members
Credit Unions & BankingView details →Share Advantage
Duluth, MN🇺🇸
3,389 members
Credit Unions & BankingView details →Duluth Police Department Employees
DULUTH, MN🇺🇸
689 members
Credit Unions & BankingView details →Duluth Fire Department
DULUTH, MN🇺🇸
362 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Duluth: they are based in or near Duluth. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Duluth
5 more credit unions headquartered elsewhere have a branch in Duluth, MN. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Affinity Plus
Saint Paul, MN🇺🇸
303,111 members
Credit Unions & BankingView details →Superior Choice
Superior, WI🇺🇸
36,895 members
Credit Unions & BankingView details →Centricity
HERMANTOWN, MN🇺🇸
21,518 members
Credit Unions & BankingView details →North Shore
Silver Bay, MN🇺🇸
14,189 members
Credit Unions & BankingView details →North Star
COOK, MN🇺🇸
6,090 members
Credit Unions & BankingView details →- Affinity Plus — branch: 1820 Maple Grove Rd Duluth, MN 55811-1811
- Superior Choice — branch: 4125 Grand Ave Duluth, MN 55807-2747
- Centricity — branches: 2501 London Rd Duluth, MN 55812; 3924 Grand Ave Duluth, MN 55807
- North Shore — branches: 2104 London Rd Duluth, MN 55812; 1902 W Superior St Duluth, MN 55806-2141; 5671 Miller Trunk Hwy Duluth, MN 55811-1229
- North Star — branch: 4918 Grand Ave Duluth, MN 55807
How to join a credit union in Minnesota
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Duluth or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Duluth — common questions
How many credit unions are in Duluth?
7 member-owned, NCUA-insured credit unions are headquartered in or near Duluth, Minnesota, with a combined 84,546 members. The largest is Members Cooperative.
Are these the closest credit unions to me in Duluth?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Duluth, geocoded to the city. The second list adds 5 more credit unions headquartered elsewhere that NCUA shows with a branch in Duluth, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Duluth?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Minnesota accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Duluth?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.