NorthCountry Federal Credit Union


Overview / Commentary
802-657-6847
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 472nd largest credit union in the nation. It was established in 1950 and as of September of 2019, it had grown to 170 employees and 55,468 members at 12 locations. NorthCountry Federal Credit Union's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, study or worship in northern Vermont (Addison, Caledonia, Chittenden, Essex, Franklin, Grand Isle, Lamoille, Orange, Orleans and Washington Counties).
See current membership details

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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

Health Grade Components

Overall
NCUA #24312
Year Chartered1950
Employees170
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.44%
Annual Interest Income$21.8MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$646.3MM$603.3MM
LoansQ3 2019vs Q3 2018$523.4MM$485.3MM
DepositsQ3 2019vs Q3 2018$568.8MM$538.6MM
Equity CapitalQ3 2019vs Q3 2018$63.9MM$59.2MM
Loan Loss AllowanceQ3 2019vs Q3 2018$4.0MM$4.0MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$3.7MM$5.5MM
Real Estate OwnedQ3 2019vs Q3 2018$389.00K$149.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--Health Savings Account
1.00%*-$50kKasasa Cash Saver
OTHER TIERS: 0.25% $50k+
0.20%$5-Savings Account
0.20%--Other Share Account
0.20%--IRA Share Account

NorthCountry Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%*$100k*-Money Market Account
OTHER TIERS: 0.45% $2k - $10k | 0.70% $10k - $50k | 1.20% $50k - $100k

NorthCountry Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*-$10kKasasa Cash
OTHER TIERS: 0.25% $10k+

NorthCountry Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$100$3k12 Month Seedling Certificate
2.00%$500-60 Month Share CD
1.85%$500-48 Month Share CD
1.85%$3k-24 Month Sapling CD
1.80%$500-36 Month Share CD
1.75%$500-24 Month Share CD
1.75%$500-15 Month Snowtificate CD Special
1.35%$500-18 Month Share CD
1.30%$500-12 Month Share CD
1.30%$100-12 Month Youth CD
1.25%$500-6 Month Share CD

NorthCountry Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-60 Month IRA
1.85%$500-48 Month IRA
1.85%$3k-24 Month Sapling IRA
1.80%$500-36 Month IRA
1.75%$500-24 Month IRA
1.75%$500-15 Month Snowtificate IRA Special
1.35%$500-18 Month IRA
1.30%$500-12 Month IRA
Locations

Availability



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