Are you looking for a new car? Maybe gearing up to buy a house? Or is saving some money the name of your game? You will find all of the information on rates you could need below! From mortgages to car loans, share certificates to money markets, IRAs to Foreign Currency, you’ll find all of our competitive rates listed here.
Other rates and terms may be available. Rates may change at any time without notice. To confirm that a rate you see here is still available, please Contact Us.
APY = Annual Percentage Yield. Other terms and annual percentage yields (APYs) may be available. Deposits are insured to $250,000 by the NCUA. Rates may change at any time without notice.
*with or without the optional Kasasa® Saver account
Certificates & IRAs
*Annual percentage yield (APY) of 3.00% is for a 12-month term Seedling Certificate and was current as of 1/1/2018. Minimum balance of $100 is required. Any amount over $3,000 will earn the regular share APY (.20% as of 1/1/2018). Limit of one Seedling Certificate per member. The Seedling Certificate is not available as an IRA. To open a certificate, a NorthCountry share account is required, which has a minimum balance requirement of $5.00. A penalty may apply for early withdrawal. Rates are subject to change. Offer may end at any time.
For further information, please see the Share Certificates Truth-in-Savings Disclosure.
APR = Annual Percentage Rate. All APRs listed here are the lowest available rate. Your rate may differ based on your credit qualifications. “Term” refers to the term used to calculate your payment. Rates may change at any time without notice. To confirm your rate, please Contact Us.
*Cars, trucks, boats, motorcycles, ATVs, snowmobiles, RVs, motor homes, campers.
Rates listed here are for primary residences only. For other types of residences, please call. Rate lock fees may apply. Rates are subject to change at any time without notice.
Mobile Homes in Parks
Champlain Housing Trust
Click Here to view today's rates. All rates listed here are for primary residences only. For other rates and programs or to verify the current rate, please call. Rate lock fees may apply, and rates are subject to change.
Primary residence only. Rate lock fees may apply. Rates are subject to change.
Lines of Credit (variable rate)
|Terms up to 180 months||4.50% APR (Prime + 0%)*|
Second Mortgages (fixed rate)
|60 month term||2.95% APR*|
|120 month term||3.99% APR*|
|180 month term||4.74% APR*|
*Annual percentage rates (APR) are as low as the rates listed above for an approximate listed term for homes with a loan-to-value (LTV) of up to 80%. Your actual rate will be determined by your credit qualifications and the term you choose. Rates may change at any time.
Home Improvement Loan
|48 month term||5.99% APR*|
|60 month term||6.24% APR*|
|72 month term||6.74% APR*|
|84 month term||7.24% APR*|
*Annual percentage rates (APR) are as low as the rates listed above for the approximate listed term. Your actual rate will be determined by your credit qualifications and the term you choose. Rates may change at any time.
REACH (Reward Education and Choose Homeownership)
REACH bundles a first-time home buyer's mortgage (see today's rates) with a refinanced fixed-rate student loan. Please contact us for details.
For details and to place your loan request, visit our Student Loan Website. Student loan applications must be submitted online.
Credit Cards, Personal Loans, and Lines of Credit
Need Canadian currency? Stop into any of our branches to have your money exchanged.
If your destination is somewhere a bit more distant, don’t forget to bring some cash – for spending or emergencies! Feel free to stop into any of our branches for assistance in placing your foreign currency order. You can also go online to place your order Here.
Please note orders must be shipped directly to one of our branches. Orders received by 3:00pm EST are delivered within three to five business days.