The first step to gaining access to NorthCountry’s products and services is to open a savings (or “share”) account with a minimum balance of $5. Your $5 is insured and will earn dividends for as long as you wish to remain a member of the credit union. It also provides you with access to the privileges and benefits of belonging to a not-for-profit credit union including:

  • Better rates
  • Lower and fewer fees
  • A vote for which fellow members will represent you on the credit union’s Board of Directors

Ready to get started? Open your account Here.

Foreground is a s’more with slightly burnt, melting marshmallow. Background is a dark wood. Text overlay on image. In upper left-hand corner, left-justified is sage green title font, ‘Rates are heating up!’. Return, in white italic text, ‘Build s’more savings with a certificate’. Return, white text, ‘As high as’. Return, sage green title text, ‘3.50%APY*’. Along the entire bottom of the image is a chocolate brown box with white text overlay, ‘*Annual percentage yield (APY) of 3.50% is for a 12-month Seedling Certificate and was accurate as of 8/1/2019. Dividends and any amount in excess of the $3,000 balance cap are automatically transferred to your regular share account. Funds can be added to the Seedling Certificate at any time and in any amount. Limit of one Seedling Certificate per member. The Seedling Certificate is not available as an IRA. A penalty applies for the early withdrawal of funds, which may affect your final dividend. To open any certificate, a NorthCountry share account is required, which has a minimum balance requirement of $5.00. Rates are subject to change.’

Club Accounts

Save up for life's special occasions with a club account. When the time comes for holiday shopping, a special vacation, taxes or a rainy day, you’ll be ready.

Health Savings Accounts (HSAs)

Set aside funds for future medical expenses and deductibles that may not be covered by your insurance. Contributions are tax-deductible, qualified withdrawals are tax-free, and after age 65 funds can be used for anything penalty free.

You may qualify for an HSA if you meet these three criteria:

  • Under 65 years old
  • Covered by a High Deductible Health Plan (HDHP)
  • Not covered by another health insurer or Medicare

To request your HSA debit card, please Contact Us.

Individual Retirement Accounts (IRAs)

NorthCountry IRAs have no annual fee, no program fee, and no penalty for taking your required minimum distribution (RMD) when you turn 70 ½. Need more information to help decide which IRA is the best fit for you? Contact Us and we’ll be happy to help.

NorthCountry IRAs are federally insured up to $250,000 and available for a variety of terms.

  Max Yearly Contribution Required Withdrawals? Tax Deductible Age Limits?
Traditional IRA $6,000* At Age 70 1/2 In some cases* Under 70 1/2
Roth IRA $6,000* No No No
Education Savings Accounts $2,000 At Age 30 No Under 18
Health Savings Accounts Individual: $3,500**
Family: $7,000**
No Yes Under 65

*People age 50 and older qualify for an additional $1,000 catch-up contribution.

**People age 55 and older qualify for an additional $1,000 catch-up contribution.


Certificates are available for terms ranging from six months to five years, and can be designated as IRAs. For rates, please see the Share Certificates Truth-in-Savings Disclosure.

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