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iAdvertiser Disclosure
Advertiser Disclosure
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 North County Credit Union Rates & Review April 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: April 24, 2026
North County Credit Union's Personal Loan Rates are at 8.74%. MonitorBankRates evaluates the financial stability of North County Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.01%. Rates were last updated on 04/24/2026. North County 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 County Credit Union? Share your experience about North County Credit Union by leaving a review below, or read customer reviews before you decide to use North County Credit Union. North County Credit Union
North County Credit Union 17045 Via Del Campo
https://www.northcountycu.org San Diego, CA 92127 
North County Credit Union Home Equity & HELOC
North County Credit Union Auto Loan Rates
North County Credit Union Credit Card Rates
North County Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for North County 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 County 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 County Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
North County Credit Union
Website
https://www.northcountycu.org
Address
17045 Via Del Campo,
San Diego, CA 92127
Phone
858-487-1880
Fax
President
Chris Russo
CEO
Gary Sisk
Full-Time Employees
8
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.01%
Return on Assets (ROA)
0.0191%
Return on Equity (ROE)
0.1973%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
68,936,020
Total Amount of Shares and Deposits
63,281,327
Total Shares and Deposits < 1 Year
60,324,256
Total Shares and Deposits 1 3 Years
2,718,155
Total Shares and Deposits > 3 Years
238,916
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,275,749
Total Uninsured Shares and Deposits > $250K (F+J)
2,275,749
Total Insured Shares and Deposits > $250K (item 17 less item K)
61,005,578
Total Interest Expense (Sum of items 6 8)
160,962
Share Certificates
212
Number of Accounts for Share Drafts
2,251
IRA KEOGH Accounts
158
Number of Accounts for Regular Shares
3,516
Money Market Shares
107
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,306,186
Total Liabilities
63,891,572
Source: NCUA — Last Updated 03/31/2024
Frequently Asked Questions About North County Credit UnionIs North County Credit Union a safe place to deposit money?Yes, North County Credit Union is considered a safe financial institution. With a Texas Ratio of 0.0065636896687525%, 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 County Credit Union operate?North County 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 County Credit Union?Yes, to access services at North County 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 County 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 County Credit Union provides members with tools to manage their accounts and build a solid financial history. Does North County Credit Union offer online and mobile banking?Most modern institutions like North County 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.northcountycu.org. Compare to Other Credit Unions
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