North Shore Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.75%	5-year CD	60 Month Savings Certificate 2.35% - Synchrony Bank 60 Month CD
0.75%	1-year CD	12 Month Savings Certificate 1.40% - Synchrony Bank 12 Month CD
0.15%	Savings	Secondary Share Savings Account 1.20% - Goldman Sachs Bank USA Online Savings

View all North Shore Federal Credit Union rates »

Overview / Commentary

www.northshorefcu.org

218-226-4401

85 Outer Dr
Silver Bay, MN 55614-1132

North Shore Federal Credit Union is headquartered in Silver Bay and is the 27^th largest credit union in the state of Minnesota. It is also the 1,206^th largest credit union in the nation. It was established in 1967 and as of March of 2017, it had grown to 31 employees and 9,276 members at 5 locations. North Shore Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Lake or Cook County.
See current membership details

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Health

A

Data as of Q1 2017

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Health Grade Components

Overall
NCUA #	18473
Year Chartered	1967
Employees	31
Primary Regulator

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	5.03%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$156.9MM$145.5MM
Loans	Q1 2017vs Q1 2016	$120.8MM$118.5MM
Deposits	Q1 2017vs Q1 2016	$133.0MM$122.9MM
Equity Capital	Q1 2017vs Q1 2016	$23.3MM$21.9MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$438.00K$550.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$1.4MM$1.2MM
Real Estate Owned	Q1 2017vs Q1 2016	$854.00K$438.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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

North Shore Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$75k^*	-	Traditional IRA Savings Account
OTHER TIERS: 0.25% → Up to $25k \| 0.30% → $25k - $75k
0.35%^*	$75k^*	-	Roth IRA Savings Account
OTHER TIERS: 0.25% → Up to $25k \| 0.30% → $25k - $75k
0.35%^*	$75k^*	-	Health Savings Account
OTHER TIERS: 0.25% → Up to $25k \| 0.30% → $25k - $75k
0.15%	-	-	Share Savings Account
0.15%	-	-	Secondary Share Savings Account
0.15%	-	-	Holiday Club Account

North Shore Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$75k^*	-	Money Market Account
OTHER TIERS: 0.25% → $2,500 - $25k \| 0.30% → $25k - $75k

North Shore Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$50k^*	-	Community Advantage Checking Account
OTHER TIERS: 0.10% → $1k - $25k \| 0.15% → $25k - $50k
0.10%	$1k	-	Advantage Checking Account

North Shore Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$500	-	60 Month Savings Certificate
1.75%	$25	-	60 Month Youth Advantage Share Certificate
1.50%	$500	-	48 Month Savings Certificate
1.50%	$25	-	48 Month Youth Advantage Share Certificate
1.25%	$500	-	36 Month Savings Certificate
1.25%	$25	-	36 Month Youth Advantage Share Certificate
1.00%	$500	-	24 Month Savings Certificate
1.00%	$25	-	24 Month Youth Advantage Share Certificate
0.75%	$500	-	12 Month Savings Certificate
0.75%	$500	-	18 Month Savings Certificate
0.75%	$25	-	12 Month Youth Advantage Share Certificate
0.75%	$25	-	18 Month Youth Advantage Share Certificate
0.50%	$500	-	6 Month Savings Certificate
0.50%	$25	-	6 Month Youth Advantage Share Certificate
0.50%	$10k	-	3 Month Money Market Share Certificate

North Shore Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$500	-	60 Month IRA Share Certificate
1.50%	$500	-	48 Month IRA Share Certificate
1.25%	$500	-	36 Month IRA Share Certificate
1.00%	$500	-	24 Month IRA Share Certificate
0.75%	$500	-	12 Month IRA Share Certificate
0.75%	$500	-	18 Month IRA Share Certificate
0.50%	$500	-	6 Month IRA Share Certificate

Locations

North Shore Federal Credit Union Locations
Branch Office	85 Outer Dr	Silver Bay, MN 55614-1132
Branch Office	122 E Highway 61	Grand Marais, MN 55604-4400
Branch Office	5335 W Highway 61	Lutsen, MN 55612-9513
Branch Office	77 Mile Creek Rd	Grand Portage, MN 55605-3028
Branch Office	404 7th Ave	Two Harbors, MN 55616-1450