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Advertiser Disclosure
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 North Districts 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.
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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 Districts Credit Union's 1 Year CD of Deposit rates are at 4.00%, 1-year CD rates are at 4.00%, 2 Year CD of Deposit rates are at 2.75%, 5 Year CD of Deposit rates are at 2.75%, 3 Year CD of Deposit rates are at 2.50%. North Districts Credit Union's Personal Loan Rates are as low as 9.99%. MonitorBankRates evaluates the financial stability of North Districts Credit Union with a 4.8 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.80%. Rates last updated and verified on 09/22/2026. North Districts 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 Districts Credit Union? Share your experience about North Districts Credit Union by leaving a review below, or read customer reviews before you decide to use North Districts Credit Union. North Districts Credit Union
NORTH DISTRICTS COMMUNITY CREDIT UNION 101 NORTHTOWNE SQ
https://www.ndcupa.org GIBSONIA, PA 15044-9505 
North Districts Credit Union CD Rates
North Districts Credit Union Home Equity & HELOC
North Districts Credit Union Auto Loan Rates
North Districts Credit Union RV, Boat and Powersport Loan Rates
North Districts Credit Union Personal Loan Rates
Financial Health HistoryNorth Districts Credit Union’s Texas Ratio rose from 12.67% in Q2 2023 to 16.80% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 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)
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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 Districts 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 Districts 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 Districts Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
North Districts Credit Union
Website
https://www.ndcupa.org
Address
101 NORTHTOWNE SQ,
GIBSONIA, PA 15044-9505
Phone
724-444-8181
Fax
724-444-8111
President
ROBERT WISKEMANN
CEO
PAUL FERO
Full-Time Employees
6
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
A- (90/100)
Texas Ratio
16.80%
Return on Assets (ROA)
0.2149%
Return on Equity (ROE)
1.4044%
Non-Performing Loans Ratio (NPL)
8.48%
Total Assets
44,883,093
Total Amount of Shares and Deposits
37,850,276
Total Shares and Deposits < 1 Year
37,672,757
Total Shares and Deposits 1 3 Years
177,519
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
535,553
Total Uninsured Shares and Deposits > $250K (F+J)
535,553
Total Insured Shares and Deposits > $250K (item 17 less item K)
37,314,723
Total Interest Expense (Sum of items 6 8)
87,475
Share Certificates
372
Number of Accounts for Share Drafts
1,289
Number of Accounts for Regular Shares
3,722
Net Income (unless the amount is already included in Undivided Earnings)
96,461
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)
4,607,184
Total Liabilities
38,013,419
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About North Districts Credit UnionHow many branches does North Districts Credit Union operate?North Districts 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 Districts Credit Union?Yes, to access services at North Districts 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 Districts 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 Districts Credit Union provides members with tools to manage their accounts and build a solid financial history. Does North Districts Credit Union offer online and mobile banking?Most modern institutions like North Districts 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.ndcupa.org. Current North Districts Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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