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iAdvertiser Disclosure
Advertiser Disclosure
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 North Bay Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
North Bay Credit Union's 18 month CDs rates are at 3.73%, CDs 18 month rates are at 3.73%, 36 month CDs rates are at 3.56%, CDs 36 month rates are at 3.56%, 12 month CDs rates are at 3.55%. North Bay Credit Union's savings rates are at 0.00%. North Bay Credit Union's money market rates are at 0.00%. North Bay Credit Union's Personal Loan Rates are at 12.75%. MonitorBankRates evaluates the financial stability of North Bay Credit Union with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 73.10%. Rates were last updated on 03/28/2026. North Bay 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 North Bay Credit Union? Share your experience about North Bay Credit Union by leaving a review below, or read customer reviews before you decide to use North Bay Credit Union. 
North Bay Credit Union CD Rates
North Bay Credit Union Savings Rates
North Bay Credit Union Money Market Rates
North Bay Credit Union Checking Rates
North Bay Credit Union Auto Loan Rates
North Bay Credit Union Credit Card Rates
North Bay Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for North Bay 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 North Bay 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 North Bay Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
North Bay Credit Union
Website
https://www.northbaycu.com
Address
397 Aviation Blvd,
Santa Rosa, CA 95403
Phone
707-584-0384
Fax
707-584-3811
President
Dominic Tramontin
CEO
Darlene Brown
Full-Time Employees
50
Part-Time Employees
0
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
1.0 / 5.0 ★
Overall Health & Safety Grade
F (23/100)
Texas Ratio
73.10%
Return on Assets (ROA)
-1.5000%
Return on Equity (ROE)
-29.4843%
Non-Performing Loans Ratio (NPL)
4.10%
Total Assets
115,036,866
Total Amount of Shares and Deposits
98,291,944
Total Shares and Deposits < 1 Year
94,362,921
Total Shares and Deposits 1 3 Years
3,913,139
Total Shares and Deposits > 3 Years
15,885
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
49,191,198
Total Uninsured Shares and Deposits > $250K (F+J)
49,191,198
Total Insured Shares and Deposits > $250K (item 17 less item K)
49,100,746
Total Interest Expense (Sum of items 6 8)
1,344,937
Share Certificates
477
Number of Accounts for Share Drafts
1,698
Number of Accounts for Regular Shares
2,937
Non Member Deposits
10
Money Market Shares
37
Net Income (unless the amount is already included in Undivided Earnings)
-1,725,572
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
871,404
Total Liabilities
109,184,364
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About North Bay Credit UnionIs North Bay Credit Union a safe place to deposit money?Yes, North Bay Credit Union is considered a safe financial institution. With a Texas Ratio of 73.095934012496%, the institution's financial health is rated as stable. 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 North Bay Credit Union operate?North Bay 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 North Bay Credit Union?Yes, to access services at North Bay 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, North Bay 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, North Bay Credit Union provides members with tools to manage their accounts and build a solid financial history. Does North Bay Credit Union offer online and mobile banking?Most modern institutions like North Bay 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: https://www.northbaycu.com. Current North Bay Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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