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iAdvertiser Disclosure
Advertiser Disclosure
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 North Bay Credit Union Rates & Review September 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 and Verified: September 22, 2026
North Bay Credit Union's 18 Month CD rates are at 3.73%, 36 Month CD rates are at 3.56%, 12 Month CD rates are at 3.55%, 24 Month CD rates are at 3.51%, 36 Month CD rates are at 3.51%. North Bay Credit Union's savings rates are at 0.70%. North Bay Credit Union's money market rates are at 0.70%. North Bay Credit Union's Tractor/Farm Equipment rates are at 7.29%. North Bay Credit Union's Personal Loan Rates are as low as 12.75%. North Bay Credit Union's Credit Card Rates are at 8.99%. 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 48.99%. Rates last updated and verified on 09/22/2026. 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
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North Bay Credit Union Auto Loan Rates
North Bay Credit Union RV, Boat and Powersport Loan Rates
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North Bay Credit Union Other Rates
Financial Health HistoryNorth Bay Credit Union’s Texas Ratio rose from 0.53% in Q2 2023 to 48.99% in Q4 2025, so its financial health has weakened over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 1.0 and its Health Grade from A+ to F. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
51
Part-Time Employees
1
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 (36/100)
Texas Ratio
48.99%
Return on Assets (ROA)
-1.9369%
Return on Equity (ROE)
-41.3115%
Non-Performing Loans Ratio (NPL)
3.34%
Total Assets
114,376,710
Total Amount of Shares and Deposits
92,243,925
Total Shares and Deposits < 1 Year
83,773,561
Total Shares and Deposits 1 3 Years
8,448,041
Total Shares and Deposits > 3 Years
22,323
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
27,728,123
Total Uninsured Shares and Deposits > $250K (F+J)
48,007,514
Total Insured Shares and Deposits > $250K (item 17 less item K)
44,236,411
Total Interest Expense (Sum of items 6 8)
1,789,943
Share Certificates
443
Number of Accounts for Share Drafts
1,618
Number of Accounts for Regular Shares
2,819
Non Member Deposits
10
Money Market Shares
36
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Undercapitalized
Net Worth Classification if credit union is a new credit union
Moderately Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,638,080
Total Liabilities
109,014,037
Source: NCUA — Last Updated 12/31/2025
Customer Reviews
There are no reviews for North Bay Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for North Bay Credit Union
Frequently Asked Questions About North Bay Credit UnionHow 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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