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North Country Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 29, 2026
North Country Federal Credit Union's CD - 12 month rates are at 4.00%, CD - 6 month rates are at 4.00%, 24 Month Sapling CD rates are at 3.80%, CD - 18 month rates are at 3.70%, CD - 24 month rates are at 3.70%. North Country Federal Credit Union's savings rates are at 0.15%. North Country Federal Credit Union's money market rates are at 2.75%. North Country Federal Credit Union's checking rates are as high as 2.00%. North Country Federal Credit Union's Personal Loan Rates are as low as 8.90%. North Country Federal Credit Union's Credit Card Rates are at 7.45%. North Country Federal Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of North Country Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.36%. Rates last updated and verified on 10/29/2026.
North Country Federal 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 Country Federal Credit Union? Share your experience about North Country Federal Credit Union by leaving a review below, or read customer reviews before you decide to use North Country Federal Credit Union.
North Country Federal Credit Union has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
North Country Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
8.36%
ExcellentHigher than avg
North Country Federal Credit Union Texas Ratio
North Country Federal Credit Union's Texas Ratio is 8.36%, which is considered excellent and is higher than the national average of 6.13%.
North Country Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.09% to 8.36% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
North Country Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Certificate - 12 month
-
4.00%
12 months
Min Balance$250
DetailsPenalty incurred by early withdrawal of funds may affect actual APY.
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
Oct 15, 20264.00%▲ from 3.90%
Oct 5, 20263.90%▲ from 3.85%
Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Certificate - 6 month
-
4.00%
6 months
Min Balance$250
DetailsPenalty incurred by early withdrawal of funds may affect actual APY.
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
Oct 15, 20264.00%▲ from 3.90%
Oct 5, 20263.90%▲ from 3.85%
Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
HSA Certificates - 12 month
-
4.00%
12 months
Min Balance$250
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
Oct 15, 20264.00%▲ from 3.90%
Oct 5, 20263.90%▲ from 3.85%
Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
HSA Certificates - 6 month
-
4.00%
6 months
Min Balance$250
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
Oct 15, 20264.00%▲ from 3.90%
Oct 5, 20263.90%▲ from 3.85%
Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
IRA 12 Month Certificate
-
4.00%
12 months
Min Balance$250
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
IRA 6 Month Certificate
-
4.00%
6 months
Min Balance$250
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
24 Month Sapling Certificate
-
3.80%
24 months
Min Balance$3,000
DetailsVariable rate; Penalty incurred by early withdrawal of funds may affect actual APY.
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 3.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
HSA Certificates - Sapling (24 month)
-
3.80%
24 months
Min Balance$3,000
DetailsVariable rate
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
Oct 13, 20263.80%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
IRA Sapling (24 month)
-
3.80%
24 months
Min Balance$3,000
DetailsVariable rate
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Certificate - 18 month
-
3.70%
18 months
Min Balance$250
DetailsPenalty incurred by early withdrawal of funds may affect actual APY.
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 15, 20263.70%▲ from 3.60%
Oct 5, 20263.60%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Certificate - 24 month
-
3.70%
24 months
Min Balance$250
DetailsPenalty incurred by early withdrawal of funds may affect actual APY.
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 15, 20263.70%▲ from 3.60%
Oct 5, 20263.60%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Certificate - 36 month
-
3.70%
36 months
Min Balance$250
DetailsPenalty incurred by early withdrawal of funds may affect actual APY.
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 15, 20263.70%▲ from 3.60%
Oct 5, 20263.60%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Certificate - 48 month
-
3.70%
48 months
Min Balance$250
DetailsPenalty incurred by early withdrawal of funds may affect actual APY.
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 15, 20263.70%▲ from 3.60%
Oct 5, 20263.60%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Certificate - 60 month
-
3.70%
60 months
Min Balance$250
DetailsPenalty incurred by early withdrawal of funds may affect actual APY.
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 15, 20263.70%▲ from 3.60%
Oct 5, 20263.60%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
HSA Certificates - 18 month
-
3.70%
18 months
Min Balance$250
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 15, 20263.70%▲ from 3.60%
Oct 5, 20263.60%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
HSA Certificates - 24 month
-
3.70%
24 months
Min Balance$250
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 15, 20263.70%▲ from 3.60%
Oct 5, 20263.60%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
HSA Certificates - 36 month
-
3.70%
36 months
Min Balance$250
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 15, 20263.70%▲ from 3.60%
Oct 5, 20263.60%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
HSA Certificates - 48 month
-
3.70%
48 months
Min Balance$250
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 15, 20263.70%▲ from 3.60%
Oct 5, 20263.60%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
HSA Certificates - 60 month
-
3.70%
60 months
Min Balance$250
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 15, 20263.70%▲ from 3.60%
Oct 5, 20263.60%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
IRA 18 Month Certificate
-
3.70%
18 months
Min Balance$250
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
IRA 24 Month Certificate
-
3.70%
24 months
Min Balance$250
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
IRA 36 Month Certificate
-
3.70%
36 months
Min Balance$250
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
IRA 48 Month Certificate
-
3.70%
48 months
Min Balance$250
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
IRA 60 Month Certificate
-
3.70%
60 months
Min Balance$250
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
12 Month Seedling Certificate
-
3.25%
12 months
Min Balance$100
DetailsLimit of one per member; Penalty incurred by early withdrawal of funds may affect actual APY.
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
North Country Federal Credit Union Savings Rates
Product
Rate
APY
View More
Health Savings Account
-
0.15%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Savings
-
0.15%
Min Deposit$5
Min Balance$5
DetailsMinimum balance to avoid a service fee: $5
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
North Country Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Markets
-
2.75%
Min Balance$250,000
DetailsBalance: $250,000 +
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Money Markets
-
2.35%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.35% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Money Markets
-
2.10%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Money Markets
-
1.55%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Money Markets
-
1.50%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Money Markets
-
1.40%
Min Balance$2,000
DetailsBalance: $2,000 - $9,999
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
North Country Federal Credit Union Checking Rates
Product
Rate
APY
View More
Kasasa Cash Checking
-
2.00%
DetailsQualifying balance up to $10,000.00; base APY applies if qualifications are not met
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 0.15% → 2.00% ▲ 1.85 pts · high 2.00% / low 0.15%
Sep 29, 20262.00%▲ from 0.15%
Sep 14, 20260.15%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
North Country Federal Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Checking
-
0.00%
No additional details.
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
North Country Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New/Used Vehicles with Titles Loan
-
-
4.64%
2 years
DetailsAs Low As; Titled vehicles only; actual rate determined by credit qualifications and term, subject to credit approval
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 4.64% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
New/Used Vehicles with Titles Loan
-
-
4.94%
3 years
DetailsAs Low As; Titled vehicles only; actual rate determined by credit qualifications and term, subject to credit approval
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 4.94% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
New/Used Vehicles with Titles Loan
-
-
4.94%
4 years
DetailsAs Low As; Titled vehicles only; actual rate determined by credit qualifications and term, subject to credit approval
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 12.99% → 4.94% ▼ 8.05 pts · high 12.99% / low 4.94%
Oct 9, 20264.94%▼ from 12.99%
Sep 14, 202612.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
New/Used Vehicles with Titles Loan
-
-
4.99%
5 years
DetailsAs Low As; Titled vehicles only; actual rate determined by credit qualifications and term, subject to credit approval
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 4.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
New/Used Vehicles with Titles Loan
-
-
5.34%
6 years
DetailsAs Low As; Titled vehicles only; actual rate determined by credit qualifications and term, subject to credit approval
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.34% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
New/Used Vehicles with Titles Loan
-
-
5.94%
7 years
DetailsAs Low As; Titled vehicles only; actual rate determined by credit qualifications and term, subject to credit approval
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.94% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
New/Used Vehicles with Titles Loan
-
-
10.19%
8 years
DetailsAs Low As; Titled vehicles only; actual rate determined by credit qualifications and term, subject to credit approval
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 10.19% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
North Country Federal Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
View More
REACH Student Loan Refinance
-
-
5.39%
5 years
DetailsAs Low As; Refinance student loans through Reward Education and Choose Homeownership (REACH); borrowers must finance or refinance a mortgage through the credit union
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 5.39% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
REACH Student Loan Refinance
-
-
5.79%
10 years
DetailsAs Low As; Refinance student loans through Reward Education and Choose Homeownership (REACH); borrowers must finance or refinance a mortgage through the credit union
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 5.79% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Refinanced Student Loans
-
-
5.99%
5 years
DetailsAs Low As; Student loan refinancing available for students and parents
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Undergraduate Student Loans (fixed rate)
-
-
5.99%
5 years
DetailsAs Low As; Fixed rate
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Undergraduate Student Loans (variable rate) - 20 years
-
-
5.99%
20 years
DetailsAs Low As; Variable rate; APR for 20-year term = Prime Rate - 1.01%
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
REACH Student Loan Refinance
-
-
6.19%
15 years
DetailsAs Low As; Refinance student loans through Reward Education and Choose Homeownership (REACH); borrowers must finance or refinance a mortgage through the credit union
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 6.19% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Refinanced Student Loans
-
-
6.39%
10 years
DetailsAs Low As; Student loan refinancing available for students and parents
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.39% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Undergraduate Student Loans (fixed rate)
-
-
6.39%
10 years
DetailsAs Low As; Fixed rate
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.39% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Undergraduate Student Loans (variable rate) - 25 years
-
-
6.49%
25 years
DetailsAs Low As; Variable rate; APR for 25-year term = Prime Rate - 0.51%
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Graduate Student Loans - 20 years
-
-
6.74%
20 years
DetailsAs Low As; APR for 20 years = Prime Rate - 1.01%
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Refinanced Student Loans
-
-
6.79%
15 years
DetailsAs Low As; Student loan refinancing available for students and parents
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.79% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Undergraduate Student Loans (fixed rate)
-
-
6.79%
15 years
DetailsAs Low As; Fixed rate
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.79% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Graduate Student Loans - 25 years
-
-
7.24%
25 years
DetailsAs Low As; APR for 25 years = Prime Rate - 0.51%
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
North Country Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum with Rewards Credit Card
-
7.45%
DetailsAs Low As; Credit card; Annual percentage rates (APRs) stated here are "as low as". Your actual APR will be determined by your credit qualifications.
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 7.45% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
North Country Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal/Signature Loan - Heating Fuel loan
8.90%
1 year
DetailsAs Low As; Maximum loan amount for heating fuel is $3500
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 8.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Personal/Signature Loan - Signature loan
10.94%
6 years
DetailsAs Low As; Loan purpose: Signature loan
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 10.94% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Signature loan
10.94%
6 years
DetailsAs Low As; Personal/Signature Loan: cash loans for almost any purpose, up to four years to repay
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 10.94% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
North Country Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
321 RELOC - 10 years Loan
-
-
6.69%
10 years
DetailsAs Low As; Real Estate Line of Credit (321 RELOC); two-year draw period followed by approximate term; LTV up to 80%
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
321 RELOC - 15 years Loan
-
-
6.94%
15 years
DetailsAs Low As; Real Estate Line of Credit (321 RELOC); two-year draw period followed by approximate term; LTV up to 80%
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.94% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
321 RELOC - 5 years Loan
-
-
5.70%
5 years
DetailsAs Low As; Real Estate Line of Credit (321 RELOC); two-year draw period followed by approximate term; LTV up to 80%
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.70% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Heating Fuel loan
-
-
8.90%
1 year
DetailsAs Low As; Maximum loan amount for heating fuel is $3500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Home Improvement Loan
-
-
7.84%
4 years
DetailsAs Low As; Fixed rate; Unsecured, no home equity required
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 7.84% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Home Improvement Loan
-
-
8.09%
5 years
DetailsAs Low As; Fixed rate; Unsecured, no home equity required
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 8.09% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Home Improvement Loan
-
-
8.59%
6 years
DetailsAs Low As; Fixed rate; Unsecured, no home equity required
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 8.59% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Home Improvement Loan
-
-
9.09%
7 years
DetailsAs Low As; Fixed rate; Unsecured, no home equity required
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 9.09% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Mobile Homes in Parks - 10 years Loan
-
-
8.64%
10 years
DetailsAs Low As; Mobile Homes in Parks
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 8.64% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Mobile Homes in Parks - 15 years Loan
-
-
9.64%
15 years
DetailsAs Low As; Mobile Homes in Parks
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 9.64% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Mobile Homes in Parks Loan
-
-
8.64%
10 years
DetailsAs Low As; Mobile Homes in Parks loan
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 8.64% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Mobile Homes in Parks Loan
-
-
9.64%
15 years
DetailsAs Low As; Mobile Homes in Parks loan
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 9.64% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
REACH (Reward Education and Choose Homeownership) - 10 years Loan
-
-
5.79%
10 years
DetailsAs Low As; Refinances student loans; borrowers must finance or refinance a mortgage through the credit union
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
REACH (Reward Education and Choose Homeownership) - 15 years Loan
-
-
6.19%
15 years
DetailsAs Low As; Refinances student loans; borrowers must finance or refinance a mortgage through the credit union
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
REACH (Reward Education and Choose Homeownership) - 5 years Loan
-
-
5.39%
5 years
DetailsAs Low As; Refinances student loans; borrowers must finance or refinance a mortgage through the credit union
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.39% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Real Estate Line of Credit 321 RELOC
-
-
5.70%
5 years
DetailsAs Low As; LTV up to 80%; two-year draw period followed by approximate term; Appraisal, 40-year title examination, and title insurance fees may apply
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.70% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Real Estate Line of Credit 321 RELOC
-
-
6.69%
10 years
DetailsAs Low As; LTV up to 80%; two-year draw period followed by approximate term; Appraisal, 40-year title examination, and title insurance fees may apply
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Real Estate Line of Credit 321 RELOC
-
-
6.94%
15 years
DetailsAs Low As; LTV up to 80%; two-year draw period followed by approximate term; Appraisal, 40-year title examination, and title insurance fees may apply
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.94% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Kasasa
-
-
0.05%
DetailsPublished APY range: 0.05 - 1.10%.
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.36%
Financial Health History
North Country Federal Credit Union’s Texas Ratio rose from 5.09% in Q3 2023 to 8.36% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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)
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.1B
8.36%
5.0
A
March 31, 2026
$1.1B
6.22%
5.0
A
December 31, 2025
$1.1B
8.15%
5.0
A
September 30, 2025
$1.1B
6.89%
5.0
A
June 30, 2025
$1.1B
7.56%
5.0
A
March 31, 2025
$1.0B
6.34%
5.0
A
December 31, 2024
$996M
6.63%
5.0
A
September 30, 2024
$1.0B
6.27%
5.0
A
June 30, 2024
$996M
5.44%
5.0
A+
March 31, 2024
$979M
5.87%
5.0
A+
December 31, 2023
$951M
5.54%
5.0
A+
September 30, 2023
$944M
5.09%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for North Country Federal 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 Country Federal 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 Country Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameNorth Country Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
62,671,761
Total Uninsured Shares and Deposits > $250K (F+J)
62,671,761
Total Insured Shares and Deposits > $250K (item 17 less item K)
939,595,639
Total Interest Expense (Sum of items 6 8)
9,144,786
Share Certificates
11,077
Number of Accounts for Share Drafts
50,381
IRA KEOGH Accounts
3,857
Number of Accounts for Regular Shares
94,517
All other shares
2,824
Money Market Shares
2,641
Net Income (unless the amount is already included in Undivided Earnings)
4,663,843
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
65,378,656
Total Liabilities
1,027,320,652
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
North Country Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About North Country Federal Credit Union
Does North Country Federal Credit Union offer CDs?
Yes. North Country Federal Credit Union current CD rates include its CD - 12 month at 4.00% APY, its CD - 6 month at 4.00% APY and its 24 Month Sapling CD at 3.80% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from North Country Federal Credit Union NCUA insured?
Yes. North Country Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at North Country Federal Credit Union?
The highest North Country Federal Credit Union CD rate is its CD - 12 month at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does North Country Federal Credit Union offer?
North Country Federal Credit Union CD rates are 4.00% APY for a 6 month CD, 4.00% APY for a 12 month CD, 3.70% APY for an 18 month CD, 3.80% APY for a 2 year CD and 3.70% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with North Country Federal Credit Union for its full lineup.
What is the highest savings rate at North Country Federal Credit Union?
The highest North Country Federal Credit Union savings rate is its Health Savings Account at 0.15% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at North Country Federal Credit Union?
The highest North Country Federal Credit Union money market rate is its Money Market at 2.75% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at North Country Federal Credit Union?
The highest North Country Federal Credit Union checking rate is its Kasasa Cash Checking at 2.00% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at North Country Federal Credit Union?
The lowest North Country Federal Credit Union auto loan rate is its New/Used Vehicles with Titles Loan at 4.64% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at North Country Federal Credit Union?
The lowest North Country Federal Credit Union personal loan rate is its Personal/Signature Loan - Heating Fuel loan at 8.90% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at North Country Federal Credit Union?
The lowest North Country Federal Credit Union credit card APR is its Platinum with Rewards Credit Card at 7.45% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does North Country Federal Credit Union operate?
North Country Federal 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 Country Federal Credit Union?
Yes, to access services at North Country Federal 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 Country Federal 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 Country Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does North Country Federal Credit Union offer online and mobile banking?
Most modern institutions like North Country Federal 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.northcountry.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do North Country Federal Credit Union rates compare?
North Country Federal Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A health rating. North Country Federal Credit Union's top rates are its CD - 12 month at 4.00% APY, its Health Savings Account at 0.15% APY, its Money Market at 2.75% APY, its Kasasa Cash Checking at 2.00% APY, its Personal/Signature Loan - Heating Fuel loan at 8.90% APR and its Platinum with Rewards Credit Card at 7.45% APR, verified by MonitorBankRates on October 29, 2026.
Current North Country Federal Credit Union Rates
12-Month CD3.25%
18-Month CD3.70%
24-Month CD3.70%
60-Month CD3.70%
Savings0.15%
MMA2.75%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
