| Dividend | APY | Minimum Opening Deposit | Minimum Balance to Avoid a Service Fee | Minimum Balance to Earn the Stated APY | |
| Savings | 0.200% | 0.20% | $10 | $50 | $50 |
| Checking | 0.000% | 0.00% | None | None | None |
| Club Account | 0.200% | 0.20% | None | None | None |
| Youth Account | 0.200% | 0.20% | $2 | None | $10 |
| Health Savings Account | 1.490% | 1.50% | None | None | None |
| Average Balance | Dividend | APY |
| $2,000 - $9,999 | 0.200% | 0.20% |
| $10,000 - $24,999 | 0.300% | 0.30% |
| $25,000 - $49,999 | 0.399% | 0.40% |
| $50,000 + | 0.449% | 0.45% |
Save for retirement with a traditional or Roth IRA at NorthCountry. You'll earn a guaranteed dividend and your deposit is 100% insured to at least $250,000 by the NCUA. A minimum balance of $500 is required for all IRAs. View our full Truth-In-Savings Shares Disclosure here.
| Term | Dividend | APY |
| 12 months | 0.449% | 0.45% |
| 18 months | 0.549% | 0.55% |
| 24 months | 0.698% | 0.70% |
| 24 months (variable) | 0.250% | 0.25% |
| 36 months | 0.896% | 0.90% |
| 48 months | 1.045% | 1.05% |
| 60 months | 1.490% | 1.50% |
| Term | APR as low as |
| 24 months | 1.99% |
| 36 months | 1.99% |
| 48 months | 2.44% |
| 60 months | 2.74% |
| 72 months | 3.24% |
| 84 months | 4.24% |
| 96 months | 7.49% |
| Term | APR as low as |
| 12 months | 3.49% |
| 18 months | 3.74% |
| 24 months | 3.99% |
| 36 months | 4.49% |
| 48 months | 4.99% |
| 60 months | 5.49% |
| 72 months | 5.99% |
| Term | APR as low as |
| 120 months | 10.49% |
| 180 months | 11.99% |
Personal/Signature Loan |
|
| 48 month term | as low as 9.74% APR |
Share Draft Line of Credit / Overdraft Protection |
|
| 48 month term | as low as 12.99% APR |
Visa Credit Cards |
|
| Platinum with Rewards | as low as 7.45% APR (no annual fee) |
| New Directions | as low as 16.95% APR ($49 annual fee) |
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.
| Terms up to 180 months | 2.75% APR (Prime - .5%) |
Home Equity Loan / Second Mortgage (Fixed Rate) |
|
| 60 month term | 3.99% APR |
| 120 month term | 4.99% APR |
| 180 month term | 5.49% APR |
Our Rate & Fee Schedule lists our fees. For more fee information, click here.