Loan Rates

We're always trying to make the numbers work for you.

Apply Online Account Rates

Our goal is to keep your costs under control

It's pretty simple, really. Lower interest rates on mortgages, vehicle financing and other consumer and business loans can save you money every month and over the long haul. At NorthCountry, we work hard to keep our rates competitive. 

Home Loans

Rate lock fees may apply. Rates are subject to change.

Term APR as low as
10 years 8.64%
15 years 9.64%

Visit our mortgage website* to view today's rates. Rates listed are for primary residences only. Contact us for other rates and programs, or to verify the current rate.

*Affiliate Site Disclaimer

321 RELOC

Term APR* as low as
5 years 6.00%
10 years 6.79%
15 years 7.49%

*APR = Annual Percentage Rate. Your actual rate will be determined by your credit qualifications and the term you choose. Rates are subject to change. The rates and approximate terms above are for homes with a loan-to-value (LTV) of up to 80%. A two-year draw period is followed by an approximate term of 5, 10, or 15 years. Appraisal, 40-year title examination, and title insurance fees may apply.

RELOC

Term APR (Prime - 0.5%)*
Up to 15 years 8.00%

APR = Annual Percentage Rate. Your actual rate will be determined by your credit qualifications and the term you choose. Rates may change at any time. The variable rate and approximate term listed above is for homes with a loan-to-value (LTV) of up to 80%. APRs are subject to a maximum of 18%. Fees range from $275 to $325. Appraisal, 40-year title examination, and title insurance fees may also apply.

Start your next project with NorthCountry on your side.

Get your money quicker with an unsecured home improvement loan! You'll get a low fixed rate that won't tie up your home's equity.

Term APR as low as
4 years 7.64%
5 years 7.89%
6 years 8.39%
7 years 8.89%

*This loan is unsecured. No home equity is required.

Student Loans

Whether you need to bridge the gap between your financial aid and the amount due, or want to refinance your current student loan to a lower rate, we have options! Our student loans can be available within several business days. For details and to place your loan request, visit our student loan website. Student loan applications must be submitted online.

Undergraduate Student Loans (fixed rate)

Term APR as low as
5 years 5.99%
10 years 6.39%
15 years 6.79%

Undergraduate Student Loans (variable rate)

Term APR as low as
20 years 7.49%
25 years 7.99%

APR for 20-year term = Prime Rate - 1.01%. APR for 25-year term = Prime Rate - 0.51%.

Graduate Student Loans

Term APR as low as
20 years 7.24%
25 years 7.74%

APR for 20 years = Prime Rate - 1.01%. APR for 25 years = Prime Rate - 0.51%.

Refinanced Student Loans

Term APR as low as
5 years 5.99%
10 years 6.39%
15 years 6.79%

Student loan refinancing is available for students and parents.

REACH increases your buying power by refinancing your student loan debt at a low fixed rate, in conjunction with your mortgage. Get started by applying for a mortgage online, through our mobile app, or in person (visit our mortgage website* to see today's rates). When the mortgage is approved, notify the mortgage officer of your interest in REACH. Your mortgage officer will help you refinance your student loans.

*Affiliate Site Disclaimer

Term APR as low as
5 years 5.39%
10 years 5.79%
15 years 6.19%

To refinance student loans through Reward Education and Choose Homeownership (REACH), borrowers must finance or refinance a mortgage through the credit union.

Personal Loans

Get the best value and features all in one convenient card. You'll get a low rate, no annual fee, no cash advance fee, and your choice of rewards. It also comes with $0 liability for unauthorized purchases and the latest fraud prevention technology. Please see our credit card page for more great benefits.

*Annual percentage rates (APRs) stated here are "as low as". Your actual APR will be determined by your credit qualifications.

Account Type APR as low as
Platinum with Rewards 7.45%

Life can be expensive. We can help. Cash loans are available for almost any purpose, including medical expenses, car repairs, college books, and holiday shopping. You’ll have cash in hand, and can take up to four years to pay it back.

Loan purpose Term APR as low as
Signature loan 4 years 10.74%
Heating Fuel loan* 1 year 8.90%

*The maximum loan amount for heating fuel is $2500.

When you’ve found the car you want, you can submit your request online for an instant response. You can also make an appointment with a loan officer at any of our branches. We’ll contact you with any questions and let you know when your check will be ready. Please see our vehicle loans page for more information.

Term APR as low as
2 years 5.89%
3 years 6.19%
4 years 6.34%
5 years 6.59%
6 years 7.09%
7 years 8.19%
8 years 11.44%

*Your actual rate will be determined by your credit qualifications and the term you choose. Rates may change at any time. **New/used vehicles with titles are cars, trucks, boats, motorcycles, ATVs, snowmobiles, RVs, motor homes, or campers.

To avoid overdraft fees, ask about a checking line of credit. If your transaction exceeds the funds available, a loan is automatically generated to cover the overage.

Term* APR as low as
4 years 12.99%

*No actual term applies. However, the minimum monthly payment is calculated using a four-year term.

APR = Annual Percentage Rate