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North Coast Credit Union

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North Coast Credit Union Rates & Review April 2026

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

North Coast 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 North Coast Credit Union?

Yes, to access services at North Coast 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, North Coast 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 25, 2026

You can compare North Coast Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.78%, 6-month share certificate rates at 0.01% and 3-month share certificate rates at 3.45%. Savings rates are at 0.05% and money market rates are at 1.51%. Mortgage rates on 30-year fixed loans are around 6.51%. All these rates can be compared to North Coast Credit Union rates. MonitorBankRates evaluates the financial stability of North Coast Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.27%. Rates were last updated on 04/25/2026.

North Coast 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 Coast Credit Union? Share your experience about North Coast Credit Union by leaving a review below, or read customer reviews before you decide to use North Coast Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.27%

Excellent Lower than avg

North Coast Credit Union
Bellingham Branch

1100 Dupont St
Bellingham, WA 98225 3113

https://www.northcoastcu.com

North Coast Credit Union Home Equity & HELOC

Product	Rate	Points	APR
*** Home Equity Line of Credit (HELOC) 5-Year Draw	-	-	6.75%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Home Equity, 2nd Lien	-	1.00	8.00%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for North Coast 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 Coast 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 Coast Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name North Coast Credit Union

Website https://www.northcoastcu.com

Address 1100 Dupont St, Bellingham, WA 98225 3113

Phone 360-733-3982

Fax 360-671-8235

President Gerzon Marin

CEO AC Griffith

Full-Time Employees 67

Part-Time Employees 1

Branch Locations 5

ATM Locations 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.27%

Return on Assets (ROA)

0.7339%

Return on Equity (ROE)

5.4266%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

412,344,342

Total Amount of Shares and Deposits

355,924,366

Total Shares and Deposits < 1 Year

344,337,836

Total Shares and Deposits 1 3 Years

10,295,632

Total Shares and Deposits > 3 Years

1,290,898

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

19,026,254

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

19,026,254

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

336,898,112

Total Interest Expense (Sum of items 6 8)

3,079,345

Share Certificates

2,386

Number of Accounts for Share Drafts

13,950

IRA KEOGH Accounts

547

Number of Accounts for Regular Shares

21,640

All other shares

307

Money Market Shares

238

Net Income (unless the amount is already included in Undivided Earnings)

3,026,376

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

76,344,422

Total Liabilities

360,152,642

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About North Coast Credit Union

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

Yes, North Coast Credit Union is considered a safe financial institution. With a Texas Ratio of 2.2708784136057%, 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 North Coast Credit Union operate?

North Coast 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 Coast Credit Union?

Yes, to access services at North Coast 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 Coast 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 Coast Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does North Coast Credit Union offer online and mobile banking?

Most modern institutions like North Coast 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.northcoastcu.com.