NorthCountry Federal Credit Union

Overview / Commentary
69 Swift St
S Burlington, VT 05403

NorthCountry Federal Credit Union is headquartered in S Burlington and is the 3rd largest credit union in the state of Vermont. It is also the 455th largest credit union in the nation. It was established in 1950 and as of September of 2022, it had grown to 183 employees and 65,528 members at 12 locations. NorthCountry Federal Credit Union's money market rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in NorthCountry Credit Union is open to those who live, work, worship, or attend school in the northern Vermont counties of Addison, Caledonia, Chittenden, Essex, Franklin, Grand Isle, Lamoille, Orange, Orleans, or Washington.
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Reviews (2)

Awesome! Great Service, Great Options!

I have been a member for over 5 years. I love that this place is so helpful, and I love my new Kasasa account that gives me a little treat at the beginning of the month. It's like a cash bonus for just swiping my card! LOVE IT!!!!!

Review of North Country Federal Credit Union

Posted by: |

I have been a member of this credit union for just over two years. I switched from a large traditional bank because I was not pleased with the fees associated with my deposit accounts. North Country is a small but growing credit union, with fewer than 20 branches all located in Vermont. The size of this institution in comparison to other banks provides a small town family feel when seeking personalized service. Size of the institution, however, does not limit its ability to provide competitive services. There are no fees associated with keeping deposit accounts, with only a $50 minimum balance necessary to keep a savings account. There are also no fees from North Country for using ATM's from outside institutions. In fact, the fees charged by other institutions for utilizing ATM services are refunded by North Country. The checking account that I have also provides a $6 monthly bonus for meeting certain criteria involving direct deposit and debit card usage. Overall, I am very satisfied with this credit union. I am happy with the competitive services offered, and the few customer service inquiries that I have made have been follow up very promptly and professionally.


Health Grade Components

NCUA #24312
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD9.47%
Annual Interest Income$25.0MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$924.3MM$885.4MM
LoansQ3 2022vs Q3 2021$712.3MM$635.2MM
DepositsQ3 2022vs Q3 2021$837.5MM$797.0MM
Equity CapitalQ3 2022vs Q3 2021$73.6MM$75.2MM
Loan Loss AllowanceQ3 2022vs Q3 2021$5.2MM$5.5MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$4.2MM$3.1MM
Real Estate OwnedQ3 2022vs Q3 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not NorthCountry Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

NorthCountry Federal Credit Union Savings Account Rates

0.30%$5-Savings Account
0.30%--Health Savings Account
0.30%--Kasasa Cash Saver
0.30%--Other Share Account
0.30%--IRA Share Account

NorthCountry Federal Credit Union Money Market Rates

1.65%*$100k*-Money Market Account
OTHER TIERS: 1.25% $2k - $10k | 1.35% $10k - $50k | 1.55% $50k - $100k

NorthCountry Federal Credit Union Checking Account Rates

1.11%*-$10kKasasa Cash
OTHER TIERS: 0.30% $10k+

NorthCountry Federal Credit Union CD Rates

4.30%$3k-24 Month Sapling CD
4.10%$500-18 Month Share CD
4.10%$500-18 Month HSA Certificate
2.55%$100$3k12 Month Seedling Certificate
1.70%$500-60 Month Share CD
1.70%$500-60 Month HSA Certificate
1.55%$500-48 Month Share CD
1.55%$500-48 Month HSA Certificate
1.50%$500-36 Month Share CD
1.50%$500-36 Month HSA Certificate
1.35%$500-24 Month Share CD
1.35%$500-24 Month HSA Certificate
1.25%$500-12 Month Share CD
1.25%$100-12 Month Youth CD
1.25%$500-12 Month HSA Certificate
1.15%$500-6 Month Share CD

NorthCountry Federal Credit Union IRA Rates

4.30%$3k-24 Month Sapling IRA
4.10%$500-18 Month IRA
1.70%$500-60 Month IRA
1.55%$500-48 Month IRA
1.50%$500-36 Month IRA
1.35%$500-24 Month IRA
1.25%$500-12 Month IRA


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