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NORTH TOWNS

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NORTH TOWNS Rates & Review October 2026

Q: How many branches does NORTH TOWNS operate?

NORTH TOWNS 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 TOWNS?

Yes, to access services at NORTH TOWNS, 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: Is there a first-time homebuyer program?

Currently, NORTH TOWNS 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, NORTH TOWNS 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 13, 2026

NORTH TOWNS's top rates as of October 13, 2026 are personal loans from 9.25% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of NORTH TOWNS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.98%. Rates last updated and verified on 10/13/2026.

NORTH TOWNS 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 TOWNS? Share your experience about NORTH TOWNS by leaving a review below, or read customer reviews before you decide to use NORTH TOWNS.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.98%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

NORTH TOWNS
North Towns FCU

9145 Sheridan Dr
Clarence, NY 14031

http://www.northtownsfcu.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.

NORTH TOWNS Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Antique/Classic Vehicle	8.99%	-	8.99%	8-10 years
Details as low as... Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%

NORTH TOWNS Credit Card Rates

Product	Rate	APR	View More
VISA Credit Cards	8.99%	8.99%
Details as low as... Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%

NORTH TOWNS Personal Loan Rates

Product	APR	Term
Unsecured	9.25%	3 years
Details as low as... Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Unsecured	11.75%	5 years
Details as low as... Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%

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

NORTH TOWNS’s Texas Ratio rose from 2.97% in Q3 2023 to 5.98% 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. 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	$52M	5.98%	5.0	A+
March 31, 2026	$49M	1.63%	5.0	A+
December 31, 2025	$48M	5.81%	5.0	A+
September 30, 2025	$49M	5.92%	5.0	A+
June 30, 2025	$49M	1.52%	5.0	A+
March 31, 2025	$47M	4.33%	5.0	A+
December 31, 2024	$44M	3.37%	5.0	A+
September 30, 2024	$44M	5.20%	5.0	A+
June 30, 2024	$44M	7.24%	5.0	A
March 31, 2024	$42M	4.97%	5.0	A+
December 31, 2023	$41M	5.96%	5.0	A+
September 30, 2023	$39M	2.97%	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 TOWNS 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 TOWNS 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 TOWNS's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name NORTH TOWNS

Website http://www.northtownsfcu.com

Address 9145 Sheridan Dr, Clarence, NY 14031

Phone 716-630-0888

Fax 716-633-2407

President Joseph Gonzales

CEO Rebecca Smith

Full-Time Employees 6

Part-Time Employees 3

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.98%

Return on Assets (ROA)

0.7169%

Return on Equity (ROE)

7.5462%

Non-Performing Loans Ratio (NPL)

1.06%

Total Assets

51,717,191

Total Amount of Shares and Deposits

46,729,886

Total Shares and Deposits < 1 Year

45,455,031

Total Shares and Deposits 1 3 Years

1,190,914

Total Shares and Deposits > 3 Years

83,941

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

2,261,377

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

2,261,377

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

44,468,509

Total Interest Expense (Sum of items 6 8)

336,157

Share Certificates

598

Number of Accounts for Share Drafts

1,366

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,194

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)

5,062,949

Total Liabilities

46,803,725

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

NORTH TOWNS 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/north-towns-rates-review-9812">
  <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.

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Frequently Asked Questions About NORTH TOWNS

How many branches does NORTH TOWNS operate?

NORTH TOWNS 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 TOWNS?

Yes, to access services at NORTH TOWNS, 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 TOWNS 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 TOWNS provides members with tools to manage their accounts and build a solid financial history.

Does NORTH TOWNS offer online and mobile banking?

Most modern institutions like NORTH TOWNS 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: http://www.northtownsfcu.com.