Rates and Fees

Rates and Fees

Rates and Fees

DividendAPYMinimum Opening DepositMinimum Balance to Avoid a Service FeeMinimum Balance to Earn the Stated APY
Savings0.200%0.20%$10$50$50
Kasasa Saver0.200%0.20%NoneNoneNone
Club Account0.200%0.20%NoneNoneNone
Youth Account0.200%0.20%$2None$10
Health Savings Account1.490%1.50%NoneNoneNone

View our full Truth-In-Savings Shares Disclosure here.
DividendAPYMinimum Opening DepositMinimum Balance to Avoid a Service FeeMinimum Balance to Earn the Stated APY
Kasasa CashVaries0.05% - 2.01%NoneNoneNone
Kasasa Tunes0.0%0.0%NoneNoneNone
Kasasa Cash Back*0.0%0.0%NoneNoneNone
Business Checking0.0%0.0%NoneNoneNone

View our full Truth-In-Savings Shares Disclosure here.
*With or without optional Kasasa Saver account.
Average BalanceDividendAPY
$2,000 - $9,9990.300%0.30%
$10,000 - $24,9990.399%0.40%
$25,000 - $49,9990.499%0.50%
$50,000 +0.549%0.55%

View our full Truth-In-Savings Shares Disclosure here.

Share CDs must maintain a balance of at least $500. View our full Truth-In-Savings Certificates Disclosure here.

TermDividendAPY
3 Months0.200%0.20%
6 months0.300%0.30%
12 months0.549%0.55%
18 months0.598%0.60%
24 months0.747%0.75%
24 months (variable)0.250%0.25%
36 months1.144%1.15%
48 months1.490%1.50%
60 months2.227%2.25%

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.

TermDividendAPY
12 months0.549%0.55%
18 months0.598%0.60%
24 months0.747%0.75%
24 months (variable)0.250%0.25%
36 months1.144%1.15%
48 months1.490%1.50%
60 months2.227%2.25%
TermAPR as low as
24 months2.04%
36 months2.29%
48 months2.49%
60 months3.04%
72 months3.49%
84 months4.29%
96 months7.54%
TermAPR as low as
12 months3.49%
18 months3.74%
24 months3.99%
36 months4.49%
48 months4.99%
60 months5.49%
72 months5.99%
TermAPR as low as
120 months10.49%
180 months11.99%
TermAPR as low as
120 months6.50%
180 months8.00%

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 Card

Platinum with Rewards as low as 7.45% APR (no annual fee)
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.

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.

Home Equity Line of Credit (Variable Rate)

Terms up to 180 months 2.75% APR (Prime - .5%)

Home Equity Loan / Second Mortgage (Fixed Rate)

60 month term 3.24% APR
120 month term 4.24% APR
180 month term 4.99% APR

Our Rate & Fee Schedule lists our fees. For more fee information, click here.

A few very important notes about our rates:

  • The loan APRs quoted here are "as low as". These are our best rates. Your actual rate will be determined by your personal credit qualifications and the term used to calculate your monthly payment.
  • Rates may change at any time without notice. To confirm that a rate you see here is still available, please call.
  • APR is an abbreviation for "Annual Percentage Rate".
  • APY is an abbreviation for "Annual Percentage Yield".
  • For loans, "term" refers to the term used to calculate your payment.
  • Deposits are insured to at least $250,000 by the NCUA.
  • Not all deposit rates and terms are listed here. For a complete list, please call.
Kasasa Cash
If qualifications are met during a monthly qualification cycle: 
1. Kasasa Cash account balances up to $10,000 will earn 2.01% APY, and any portion of a balance over $10,000 will earn a dividend rate of 0.25%, with a final APY ranging from 2.01% to 0.41% APY depending on the account balance. If qualifications are not met, the total balance will earn 0.05% APY. Dividends will be credited on or before the first business day of the next monthly statement cycle. APY=Annual Percentage Yield. APYs were accurate as of 06/17/2013 and are subject to change. 
2. Domestic ATM fees under $5 each incurred during the monthly qualification cycle will be automatically reimbursed and credited on or before the first business day of the next monthly statement cycle.  Receipts must be presented for reimbursement of single ATM fees of $5.00 or more. The maximum reimbursement is $20 per monthly qualification cycle.
Debit card purchases must post and settle to the account during the monthly qualification cycle – this may take one or more business days from the date the transaction occurred. ATM-processed transactions do not qualify as debit card transactions. The “Monthly Qualification Cycle” begins on the first day of the calendar month and ends on the last day of the calendar month. One Kasasa Cash account per SSN. 
 
Kasasa Cash Back (Kasasa Saver option available)
If qualifications are met during a monthly qualification cycle:
1. You will earn 3% cash back (up to $9 total) on debit card purchases that post and settle to your Kasasa Cash Back account during the monthly qualification cycle. This may take one or more business days from the transaction date. 
2. Domestic ATM fees under $5 each incurred during the monthly qualification cycle will be automatically reimbursed and credited on or before the first business day of the next monthly statement cycle. Receipts must be presented for reimbursement of single ATM fees of $5.00 or more.  The maximum reimbursement is $20 per monthly qualification cycle.
3. If you choose the Kasasa Saver option, your Kasasa Cash Back rewards (cash back and ATM refunds) will be credited to your Kasasa Saver account on or before the first business day of the next monthly statement cycle. Kasasa Saver account balances earn 0.20%APY=Annual Percentage Yield. This APY was accurate as of 06/17/2013 and is subject to change. 
Debit card purchases must post and settle to the account during the monthly qualification cycle – this may take one or more business days from the date the transaction occurred. ATM-processed transactions do not qualify as debit card transactions. The “Monthly Qualification Cycle” begins on the first day of the calendar month and ends on the last day of the calendar month. One Kasasa Cash Back account per SSN.
 
Kasasa Tunes
We will refund up to $30 of iTunes® and/or Amazon.com®purchases that post and settle to your account within 30 days of opening your account. Going forward, if qualifications are met during a monthly qualification cycle:
1. You will receive up to $5 in iTunes® and/or Amazon.com® refunds per cycle. To qualify, transactions must be made with a NorthCountry FCU debit card for your Tunes account, and must post and settle to the account during the monthly qualification cycle – this may take one or more business days from the transaction date. Refunds will be credited to your account on or before the first business day of the month following the month in which the qualified purchases were made. iTunes is a registered trademark of Apple Inc. and Amazon.com is a registered trademark of Amazon Inc.   Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. 
2. Domestic ATM fees under $5 each incurred during the monthly qualification cycle will be automatically reimbursed and credited on or before the first business day of the next monthly statement cycle. Receipts must be presented for reimbursement of single ATM fees of $5.00 or more.  The maximum reimbursement is $20 per monthly qualification cycle.
Debit card purchases must post and settle to the account during the monthly qualification cycle. This may take one or more business days from the date the transaction occurred. ATM-processed transactions do not qualify as debit card transactions. The “Monthly Qualification Cycle” begins on the first day of the calendar month and ends on the last day of the calendar month. One Kasasa Tunes account per SSN.
PO Box 64709
Burlington, VT 05406
Routing #: 211691004
Phone #: (800) 660-3258
Facebook Equal Housing Lender Powered by Intuit NCUA