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44 North Credit Union

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44 North Credit Union Rates & Review April 2026

Q: How many branches does 44 North Credit Union operate?

44 North Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join 44 North Credit Union?

Yes, to access services at 44 North Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, 44 North Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, 44 North Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

You can compare 44 North Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.80%, 6-month share certificate rates at 3.60% and 3-month share certificate rates at 3.40%. Savings rates are at 0.75% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.04%. All these rates can be compared to 44 North Credit Union rates. MonitorBankRates evaluates the financial stability of 44 North Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.00%. Rates were last updated on 04/17/2026.

44 North Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 44 North Credit Union? Share your experience about 44 North Credit Union by leaving a review below, or read customer reviews before you decide to use 44 North Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.00%

Excellent Higher than avg

44 North Credit Union
Main Office 485 S 2nd St

485 S 2nd St
Lebanon, OR 97355 3326

http://www.linncofcu.org

Current Rate Availability

We do not have 44 North Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 44 North Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 44 North Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 44 North Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 44 North Credit Union

Website http://www.linncofcu.org

Address 485 S 2nd St, Lebanon, OR 97355 3326

Phone 541-259-1235

Fax 541-259-7986

President Randy Whitfield

CEO Jeff Elliott

Full-Time Employees 38

Part-Time Employees 0

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

11.00%

Return on Assets (ROA)

0.3716%

Return on Equity (ROE)

3.1696%

Non-Performing Loans Ratio (NPL)

2.00%

Total Assets

169,145,948

Total Amount of Shares and Deposits

148,300,874

Total Shares and Deposits < 1 Year

146,734,944

Total Shares and Deposits 1 3 Years

1,565,931

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

9,294,716

Total Uninsured Shares and Deposits > $250K (F+J)

9,294,716

Total Insured Shares and Deposits > $250K (item 17 less item K)

139,006,158

Total Interest Expense (Sum of items 6 8)

1,804,398

Share Certificates

1,126

Number of Accounts for Share Drafts

5,752

IRA KEOGH Accounts

249

Number of Accounts for Regular Shares

12,905

All other shares

904

Money Market Shares

449

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

37,440,971

Total Liabilities

149,458,639

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About 44 North Credit Union

Is 44 North Credit Union a safe place to deposit money?

Yes, 44 North Credit Union is considered a safe financial institution. With a Texas Ratio of 10.996939419011%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does 44 North Credit Union operate?

44 North Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 44 North Credit Union?

Yes, to access services at 44 North Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 44 North Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 44 North Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 44 North Credit Union offer online and mobile banking?

Most modern institutions like 44 North Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.linncofcu.org.