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Northern Lights Federal Credit Union

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Northern Lights Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northern Lights Federal 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 and Verified: October 9, 2026

Northern Lights Federal Credit Union's top rate as of October 9, 2026 is 5.00% APY on checking, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Northern Lights Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.37%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.37%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Northern Lights Federal Credit Union
Main Office

1004 Memorial Dr
Saint Johnsbury, VT 05819

https://www.northernlightscu.com

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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.

Northern Lights Federal Credit Union Checking Rates

Product	Rate	APY
Sky Checking	-	5.00%
Details Qualifications Required: One Direct Deposit a month; Fifteen Point of Sale Debit card transactions a month; Electronic statement; One Direct Deposit a month; No monthly service fees; No minimum balance; Free NLFCU checks (basic only); Free Mastercard debit card; Online & Mobile Banking; Remote Deposit Capture; P to P (Person to Person); Courtesy Pay (call for disclosure); Savy Money; Free access through Northern Lights Credit Union's mobile application; Use Call 24 to access your account 24 hours a day (1-877-858-3328); Access your account in any Northern Lights Credit Union location Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Roots Checking	-	0.30%
Details Qualifications Required: One Direct Deposit a month; Twelve Point of Sale Debit card transactions a month; Electronic statement; One Direct Deposit a month; No monthly service fees; No minimum balance; Free NLFCU checks (basic only); Free Mastercard debit card; Online & Mobile Banking; Remote Deposit Capture; P to P (Person to Person); Courtesy Pay (call for disclosure); Savy Money; Free access through Northern Lights Credit Union's mobile application; Use Call 24 to access your account 24 hours a day (1-877-858-3328); Access your account in any Northern Lights Credit Union location Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Northern Lights Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
New Ride Loan	-	-	3.79%	36 Months
Details Rates may vary based on credit worthiness Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.79% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

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.

Financial Health History

Northern Lights Federal Credit Union’s Texas Ratio stayed near 1.64% in Q3 2023 to 1.37% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$43M	1.37%	5.0	A+
March 31, 2026	$44M	1.64%	5.0	A+
December 31, 2025	$41M	2.33%	5.0	A+
September 30, 2025	$43M	0.30%	5.0	A+
June 30, 2025	$30M	0.50%	5.0	A+
March 31, 2025	$30M	0.53%	5.0	A+
December 31, 2024	$31M	0.00%	5.0	A+
September 30, 2024	$30M	1.58%	5.0	A+
June 30, 2024	$29M	1.88%	5.0	A+
March 31, 2024	$29M	0.65%	5.0	A+
December 31, 2023	$30M	1.61%	5.0	A+
September 30, 2023	$29M	1.64%	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 Northern Lights 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 Northern Lights 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 Northern Lights Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Northern Lights Federal Credit Union

Website https://www.northernlightscu.com

Address 1004 Memorial Dr, Saint Johnsbury, VT 05819

Phone 802-748-2288

Fax 802-748-6570

President Greg Winn

CEO Kathryn Ducharme

Full-Time Employees 11

Part-Time Employees 1

Branch Locations 4

ATM Locations 3

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

1.37%

Return on Assets (ROA)

0.4598%

Return on Equity (ROE)

3.2058%

Non-Performing Loans Ratio (NPL)

0.29%

Total Assets

42,825,545

Total Amount of Shares and Deposits

36,213,590

Total Shares and Deposits < 1 Year

36,125,386

Total Shares and Deposits 1 3 Years

77,121

Total Shares and Deposits > 3 Years

11,083

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

205,862

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

205,862

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

36,007,728

Total Interest Expense (Sum of items 6 8)

49,069

Share Certificates

Number of Accounts for Share Drafts

2,243

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,491

All other shares

Money Market Shares

154

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

196,919

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)

2,272,635

Total Liabilities

36,410,092

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Northern Lights Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/northern-lights-federal-credit-union-rates-review-24878">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Northern Lights Federal Credit Union

How many branches does Northern Lights Federal Credit Union operate?

Northern Lights 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 Northern Lights Federal Credit Union?

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

Does Northern Lights Federal Credit Union offer online and mobile banking?

Most modern institutions like Northern Lights 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.northernlightscu.com.