Are you looking for a new car? Maybe gearing up to buy a house? Or is saving some money the name of your game? You will find all of the information on rates you could need below! From mortgages to car loans, share certificates to money markets, IRAs to Foreign Currency, you’ll find all of our competitive rates listed here.

Other rates and terms may be available. Rates may change at any time without notice. To confirm that a rate you see here is still available, please Contact Us.


APY = Annual Percentage Yield. Other terms and annual percentage yields (APYs) may be available. Deposits are insured to $250,000 by the NCUA. Rates may change at any time without notice.


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. Please visit our Savings Page to view the privileges and benefits of belonging to a not-for-profit credit union.


Light blue background with rainbow confetti squares falling and landing in a pile. Free Kasasa Checking 3.50%APY on Balances up to $10,000* *when easy qualifications are met

Our checking accounts are designed to provide you with high convenience, high value, and if you choose Kasasa - the opportunity to earn cash back. Please visit our Checking Page to see all the great perks included with a NorthCountry checking account.

*with or without the optional Kasasa® Saver account

Money Markets

If you want a low-transaction account with a high dividend, a money market account may be right for you.

Fees could reduce earnings.

Certificates & IRAs


Certificates are available for terms ranging from six months to five years, and can be designated as IRAs.

Image is split into three parts. Part 1 is left-aligned and shows fresh tilled soil background with text overlay 3.50%APY* Seedling Certificate Get started with as little as $100, and add to it when you can-any time, any amount! Part 2 is yorkshire terrier dog wearing green bandana with NorthCountry logo sitting in fresh tilled soil with potted seedling plant next to him and wood panel background with text overlay in bottom right-hand corner Insured by NCUA. Part 3 spans the bottom of the image. Sage green background with text overlay *Annual percentage yield (APY) of 3.50% is for a 12-month term Seedling Certificate and was current as of 1/1/2019. Minimum balance of $100 is required. Any amount over $3,000 will earn .20% APY as of 1/1/2019. Limit of one Seedling Certificate per person. The Seedling Certificate is not available as an IRA. To open a certificate, a NorthCountry share account is required, which has a minimum balance requirement of $5.00. A penalty may apply for early withdrawal. Rates are subject to change. Offer may end at any time.

For further information, please see the Share Certificates Truth-in-Savings Disclosure.


Man wearing camo tshirt and hat, black sunglasses, and red life vest paddling a lime green kayak on a serene lake. Text overlay Easy Breezy IRAs. Bulleted list, No annual fee, No program fee, No penalites on required withdrawals. Text underneath italicized, Available as Traditional, Roth, or Educational Savings Accounts. Small text in bottom right-hand corner, Insured by NCUA

NorthCountry IRAs have no annual fee, no program fee, and no penalty for taking your required minimum distribution (RMD) when you turn 70 ½.


APR = Annual Percentage Rate. All APRs listed here are the lowest available rate. Your rate may differ based on your credit qualifications. “Term” refers to the term used to calculate your payment. Rates may change at any time without notice. To confirm your rate, please Contact Us.

Credit Cards

Get the best value and features all in one convenient card. You'll get a low fixed rate, no annual fee, no balance transfer 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.

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

Home Loans

Rates listed here are for primary residences only. For other types of residences, please call. Rate lock fees may apply. Rates are subject to change at any time without notice.

Mobile Homes in Parks

Champlain Housing Trust

We offer 30 year fixed rate loans for buyers purchasing homes through CHT’s Shared Equity Program.

Mortgages/FHA Loans

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.

Home Equity

Primary residence only. Rate lock fees may apply. Rates are subject to change.

Lines of Credit (variable rate)

Terms up to 180 months 5.00% APR (Prime - 0.5%)*

Fees for a home equity line of credit range from $275 to $325 when an appraisal is not required. When an appraisal is required, fees range from $675 to $725. If the credit union requires a 70-year title examination, these fees will be approximately $400, and title insurance fees are dependent upon loan amount and are not always required. All rates are subject to a maximum of 18% and a minimum of the Prime Rate.

Second Mortgages (fixed rate)

60 month term 3.60% APR*
120 month term 4.69% APR*
180 month term 5.39% APR*

  *Annual percentage rates (APR) are as low as the rates listed above for an approximate listed term for homes with a loan-to-value (LTV) of up to 80%. Your actual rate will be determined by your credit qualifications and the term you choose. Rates may change at any time.

Home Improvement Loan

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. Call us to take advantage of this offer.

horizontal rectangle split into two parts. left-aligned is yorkshire terrier dog wearing green NorthCountry bandana sitting next to a tool box filled with tools. Upper left-hand corner states, Federally insured by NCUA. Right-aligned is dark green box with white text overlay stating, Need money for home improvements? Let's get started. No need to dig into your home's equity. Text is centered. NorthCountry logo is centered under text.

48 month term 6.49% APR*
60 month term 6.74% APR*
72 month term 7.24% APR*
84 month term 7.74% APR*

*Annual percentage rates (APR) are as low as the rates listed above for the approximate listed term. Your actual rate will be determined by your credit qualifications and the term you choose. Rates may change at any time.

REACH (Reward Education and Choose Homeownership)

REACH bundles a first-time home buyer's mortgage with a refinanced fixed-rate student loan. You start by applying for a mortgage online, through our mobile app, or in person (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.

New/Used Vehicles with Titles*

When you’ve found the car you want, you can submit your request online and get an instant response, or 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.

*Cars, trucks, boats, motorcycles, ATVs, snowmobiles, RVs, motor homes, campers. For a $25,000 auto loan with a term of 60 months with a 3.69%APR, the monthly payment will be $456.97.

Personal/Signature Loan

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 three years to pay it back.

48 month term as low as 9.99% APR

Share Draft Line of Credit/Overdraft Protection

To avoid overdraft fees, ask about a checking line of credit. When your transaction request exceeds the funds available in your account, a loan will be generated in increments of $100 (up to your limit) to cover the amount of your purchase or withdrawal.

48 month term as low as 12.99% APR

Student Loans

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.

Important Information

Fee Information

Foreign Currency

Need Canadian currency? Stop into any of our branches to have your money exchanged.

If your destination is somewhere a bit more distant, don’t forget to bring some cash – for spending or emergencies! Feel free to stop into any of our branches for assistance in placing your foreign currency order. You can also go online to place your order Here.

Please note orders must be shipped directly to one of our branches. Orders received by 3:00pm EST are delivered within three to five business days.

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NorthCountry Financial