North Bay Credit Union

Overview / Commentary
397 Aviation Blvd
Santa Rosa, CA 95403

North Bay Credit Union is headquartered in Santa Rosa and is the 163rd largest credit union in the state of California. It is also the 1,873rd largest credit union in the nation. It was established in 1948 and as of December of 2021, it had grown to 42 employees and 2,738 members at 4 locations. North Bay Credit Union has an A health rating.

Field of Membership Restrictions

Membership in North Bay Credit Union is open to individuals who live, work, or worship in the California counties of Marin, Napa, Solano, or Sonoma.
See current membership details

Reviews (1)

Worth The Effort

Posted by: |

Even though membership is limited to a few counties, anyone can join by making a contribution to Sonoma Land Trust.

North Bay Credit Union utilizes Chexsystem for verification.

Current 24 months CD interest rate for $100,001 is 2.473% which is higher than $100,000.

Definitely worth a try.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. North Bay Credit Union has a relatively low asset base.

Health Grade Components

NCUA #63373
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD1.71%
Return on Equity - YTD17.61%
Annual Interest Income$4.7MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$94.7MM$97.4MM
LoansQ4 2021vs Q4 2020$69.7MM$70.3MM
DepositsQ4 2021vs Q4 2020$83.4MM$78.7MM
Equity CapitalQ4 2021vs Q4 2020$9.7MM$8.0MM
Loan Loss AllowanceQ4 2021vs Q4 2020$227.00K$210.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$0$136.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

North Bay Credit Union Savings Account Rates

2.02%*-$5kYouth Account
OTHER TIERS: 0.20% $5k+
0.50%*-$10kKasasa Saver
OTHER TIERS: 0.20% $10k+
0.35%*$250k*-Share Savings
OTHER TIERS: 0.20% $101 - $10k | 0.25% $10k - $50k | 0.30% $50k - $250k

North Bay Credit Union Checking Account Rates

2.00%*-$10kKasasa Cash
OTHER TIERS: 0.20% $10k+

North Bay Credit Union CD Rates

1.36%*$100k*-60 Month CD
OTHER TIERS: 1.26% $1k - $50k | 1.31% $50k - $100k
1.26%*$100k*-48 Month CD
OTHER TIERS: 1.16% $1k - $50k | 1.21% $50k - $100k
1.16%*$100k*-36 Month CD
OTHER TIERS: 1.05% $1k - $50k | 1.10% $50k - $100k
0.95%*$50k*-24 Month CD
OTHER TIERS: 0.85% $1k - $50k
0.85%*$100k*-12 Month CD
OTHER TIERS: 0.75% $1k - $50k | 0.80% $50k - $100k
0.30%$1k-6 Month CD

North Bay Credit Union Locations
Branch Office397 Aviation BlvdSanta Rosa, CA 95403
Branch Office1357 Healdsburg AveHealdsburg, CA 95448-3246
Branch Office101 Golf Course DrRohnert Park, CA 94928
Branch Office201 Nino Marco SqSonoma, CA 95476

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