Account Rates

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Open an Account Loan Rates

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At NorthCountry, we pay competitive rates on Savings, Money Markets, Certificates, IRAs and dividend-earning checking accounts. These added funds build up your balance and help you reach your financial goals.

The first step to gaining access to NorthCountry’s products and services is to open a savings (or “share”) account. This account has a minimum balance requirement of $5. This is not a fee. Your $5 is insured and earns dividends for as long as you 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.

 

Account Type APY Minimum Balance Minimum Balance to Avoid a Service Fee Minimum Balance to Earn the Stated APY
Savings 0.35% $5 $5 $5
Kasasa 0.05 - 2.50% None None None
Other Savings Accounts 0.35% None None None
Health Savings Account 0.35% None None None

Our checking accounts are designed to provide you with high convenience and high value. If you choose a Kasasa® account, you'll also have the opportunity to earn cash back. Please visit our checking page to see all the great perks included with a NorthCountry checking account.

 

Account Type APY Minimum Balance Minimum Balance to Avoid a Service Fee Balance to Earn the Stated APY
Kasasa Cash* 2.10% None None Up to $10,000
Kasasa Cash* 0.35% None None Over $10,000
Kasasa Cash - base APY 0.05% None None None
Kasasa Tunes 0.00% None None None
Kasasa Cash Back 0.00% None None None
Business Checking 0.00% None None None

*If qualifications are met, otherwise the base APY applies to the entire balance.

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

 

Balance APY
$2,000 - $9,999 1.45%
$10,000 - $24,999 1.55%
$25,000 - $49,999 1.55%
$50,000 - $99,999 2.10%
$100,000+ 2.35%

Certificates are available for terms ranging from six months to five years.

 

Term Minimum Balance APY
6 months $250 1.75%
12 months $250 4.05%
Seedling* (12 months) $100 3.00%
18 months $250 1.90%
24 months $250 3.45%
Sapling** (24 months) $3,000 4.55%
36 months $250 3.30%
48 months $250 2.90%
60 months $250 2.90%

Penalty incurred by early withdrawal of funds may affect your actual APY.

*Limit of one per member. **Variable rate.

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

IRAs have no annual or program fee, and no penalty fee for taking your required minimum distribution when you turn 73.

 

Term Minimum Balance APY
6 months $250 1.75%
12 months $250 4.05%
18 months $250 1.90%
24 months $250 3.45%
Sapling* (24 months) $3,000 4.55%
36 months $250 3.30%
48 months $250 2.90%
60 months $250 2.90%

*Variable rate

Term Minimum Balance APY
6 months $250 1.75%
12 months $250 4.05%
18 months $250 1.90%
24 months $250 3.45%
36 months $250 3.30%
48 months $250 2.90%
60 months $250 2.90%

APY = Annual Percentage Yield. Funds are insured to $250,000 by the NCUA. Minimum balance required. Rates may change at any time without notice. Contact us to verify the current rate.

You've got questions, we've got answers

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Stop into any of our branches during regular business hours, or use the account opening feature on this website.
 

To open an account at the credit union, a person needs to live or work in on of the following counties:

  • Vermont: Addison, Caledonia, Chittenden, Essex, Franklin, Grand Isle, Lamoille, Orange, Orleans, Washington
  • New Hampshire: Coos, Grafton
  • New York: Clinton
     

You'll need your Social Security number and a valid government-issued ID. In some cases, additional documentation may be needed.