The NorthRidge Community Credit Union All Credit Levels is a cdfi lender from NorthRidge Community Credit Union. The annual fee is $0. The ongoing APR is 6.99% - 24.99%. Rewards: NorthRidge offers a 'Round Up Program' and various loan services tailored to meet the needs of its members.. This product reports activity to your personal credit report. NorthRidge Community Credit Union is a member-focused financial institution located in Hoyt Lakes, MN, providing a range of banking services and lending options to its members. It primarily serves the local community in Northern Minnesota, offering personalized support for individuals and businesses seeking financial assistance. Services include: personal loans, auto loans, mortgages, business loans. US Treasury certified CDFI Credit Union in Hoyt Lakes, MN. Membership required.