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
Checking0.000%0.00%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.
Average BalanceDividendAPY
$2,000 - $9,9990.200%0.20%
$10,000 - $24,9990.300%0.30%
$25,000 - $49,9990.399%0.40%
$50,000 +0.449%0.45%

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 Months0.150%0.15%
6 months0.250%0.25%
12 months0.449%0.45%
18 months0.549%0.55%
24 months0.698%0.70%
24 months (variable)0.250%0.25%
36 months0.896%0.90%
48 months1.045%1.05%
60 months1.490%1.50%

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 months0.449%0.45%
18 months0.549%0.55%
24 months0.698%0.70%
24 months (variable)0.250%0.25%
36 months0.896%0.90%
48 months1.045%1.05%
60 months1.490%1.50%
TermAPR as low as
24 months1.99%
36 months1.99%
48 months2.44%
60 months2.74%
72 months3.24%
84 months4.24%
96 months7.49%
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%

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)
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 3.99% 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.

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.
PO Box 64709
Burlington, VT 05406
Routing #: 211691004
Phone #: (800) 660-3258
Facebook Equal Housing Lender Powered by Intuit NCUA