North Country Credit Union

Burlington, Vermont
Last verified: August 4, 2026
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Verified rate book

Current North Country Credit Union rates

64 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

2 offers
North Country Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Mobile Homes in Parks (10 years)other8.640% APR8.640%—Standard
Mobile Homes in Parks (15 years)other9.640% APR9.640%—Standard

Auto & vehicle rates

9 offers
North Country Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New/Used Vehicles with Titles** (2 years)auto_any_24mo4.830% APR4.830%24 mo · anyStandard
24-Month Auto Loanauto_any_24mo4.830% APR4.830%24 moStandard
New/Used Vehicles with Titles** (4 years)auto_any_48mo5.130% APR5.130%48 mo · anyStandard
New/Used Vehicles with Titles** (3 years)auto_any_36mo5.130% APR5.130%36 mo · anyStandard
New/Used Vehicles with Titles** (5 years)auto_any_60mo5.180% APR5.180%60 mo · anyStandard
New/Used Vehicles with Titles** (6 years)auto_any_72mo5.530% APR5.530%72 mo · anyStandard
321 RELOCauto_any_60mo5.700% APR5.700%60 moStandard
New/Used Vehicles with Titles** (7 years)auto_any_84mo6.130% APR6.130%84 mo · anyStandard
New/Used Vehicles with Titles** (8 years)auto_any_96mo10.380% APR10.380%96 mo · anyStandard

HELOC rates

5 offers
North Country Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
321 RELOC (5 years)heloc5.700% APR5.700%—Standard
3-2-1 RELOCheloc5.700% APR5.700%—Standard
RELOCheloc6.250% APR6.250%—Standard
321 RELOC (10 years)heloc6.690% APR6.690%—Standard
321 RELOC (15 years)heloc6.940% APR6.940%—Standard

Personal loan rates

6 offers
North Country Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Certificate Secured Loan (variable rate) (Up to 144 months)personal_secured_144mo2.000% APR2.000%144 moStandard
Share Secured Loan (variable rate) (Up to 144 months)personal_secured_144mo2.200% APR2.200%144 moStandard
Heating Fuel loan*personal_unsecured_12mo8.900% APR8.900%12 moStandard
72-Month Signature Loanpersonal_unsecured_72mo10.940% APR10.940%72 moStandard
Signature Loanpersonal_unsecured10.940% APR10.940%—Standard
Share Draft Line of Credit/Overdraft Protection (4 years)ploc_variable12.990% APR12.990%48 moStandard

Student loan rates

10 offers
North Country Credit Union student loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Refinanced Student Loanstudent5.990% APR5.990%—Standard
Undergraduate Student Loans (variable rate) (20 years)student5.990% APR5.990%—Standard
Undergraduate Student Loans (fixed rate) (10 years)student6.390% APR6.390%—Standard
Undergraduate Student Loans (variable rate) (25 years)student6.490% APR6.490%—Standard
Graduate Student Loans (20 years)student6.740% APR6.740%—Standard
Undergraduate Student Loans (fixed rate) (15 years)student6.790% APR6.790%—Standard
Graduate Student Loans (25 years)student7.240% APR7.240%—Standard
REACH (Reward Education and Choose Homeownership) (5 years)other5.390% APR5.390%—Standard
REACH (Reward Education and Choose Homeownership) (10 years)other5.790% APR5.790%—Standard
REACH (Reward Education and Choose Homeownership) (15 years)other6.190% APR6.190%—Standard

Credit card rates

1 offer
North Country Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum with Rewardsother7.450% APR7.450%—Standard

Savings & CD rates

19 offers
North Country Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Seedling Certificatecd_12mo3.10% APY3.10%12 moStandard
60-Month Certificatecd_60mo3.55% APY3.55%60 moStandard
48-Month Certificatecd_48mo3.55% APY3.55%48 moStandard
36-Month Certificatecd_36mo3.55% APY3.55%36 moStandard
Sapling Certificatecd_24mo3.55% APY3.55%24 moStandard
18-Month Certificatecd_18mo3.55% APY3.55%18 moStandard
It s a simple way to feel good about your savings. (60 months)savings3.55% APY3.55%60 moStandard
It s a simple way to feel good about your savings. (48 months)savings3.55% APY3.55%48 moStandard
It s a simple way to feel good about your savings. (36 months)savings3.55% APY3.55%36 moStandard
It s a simple way to feel good about your savings. (24 months)savings3.55% APY3.55%24 moStandard
It s a simple way to feel good about your savings. (18 months)savings3.55% APY3.55%18 moStandard
24-Month Certificatecd_24mo3.55% APY3.55%24 moStandard
It s a simple way to feel good about your savings. (12 months)savings3.60% APY3.60%12 moStandard
12-Month Certificatecd_12mo3.60% APY3.60%12 moStandard
6-Month Certificatecd_6mo3.75% APY3.75%6 moStandard
It s a simple way to feel good about your savings. (6 months)savings3.75% APY3.75%6 moStandard
It s a simple way to feel good about your savings. (7 months)savings3.97% APY3.97%7 moStandard
7-Month Certificatecd_7mo3.97% APY3.97%7 moStandard
Certificatecd3.97% APY3.97%—Standard

Other rates

12 offers
North Country Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Research Before You Buy (2 years)other4.830% %4.830%—Standard
Research Before You Buy (3 years)other5.130% %5.130%—Standard
Research Before You Buy (4 years)other5.130% %5.130%—Standard
Research Before You Buy (5 years)other5.180% %5.180%—Standard
Research Before You Buy (6 years)other5.530% %5.530%—Standard
Research Before You Buy (7 years)other6.130% %6.130%—Standard
RELOC (Up to 15 years)other6.250% %6.250%—Standard
Start your next project with NorthCountry on your side. (4 years)other7.840% %7.840%—Standard
Start your next project with NorthCountry on your side. (5 years)other8.090% %8.090%—Standard
Start your next project with NorthCountry on your side. (6 years)other8.590% %8.590%—Standard
Start your next project with NorthCountry on your side. (7 years)other9.090% %9.090%—Standard
Research Before You Buy (8 years)other10.380% %10.380%—Standard

As of August 4, 2026, North Country Credit Union offers mortgage rates from 8.64% APR. Auto loans available from 4.83% APR for 24 months. HELOC rates from 5.7% APR. Personal loan rates from 2% APR. Credit card rates from 7.45% APR. Savings and certificate yields up to 3.97% APY.

Source: RateAPI.dev, verified from North Country Credit Union's official website

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About North Country Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
78.7K
Assets
$1.1B
Founded
1950
Locations reported
13
NCUA charter
24312
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

802South Burlington · South Burlington · VT · 05403Branch in the same ZIPEastriseShelburne Road · South Burlington · VT · 05403-6957Branch in the same ZIPGreen MountainMain Branch · South Burlington · VT · 05403-7783Branch in the same ZIPSea CommBranch - South Burlington · South Burlington · VT · 05403-7718Branch in the same ZIPVermontKennedy Drive · South Burlington · VT · 05403-6706Branch in the same ZIPOneESSEX OFFICE · Essex Junction · VT · 05452About 7.8 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join North Country Credit Union

Membership eligibility from North Country Credit Union's own published criteria. How we verify this.

Community charter: live/work in Addison, Caledonia, Chittenden +11 more

  • LocationAddison, Caledonia, Chittenden, Essex, Franklin, Grand Isle, Lamoille, Orange, Orleans, Rutland, Washington, Coos, Grafton, Clinton

Cost to join: About $5.

Verified from North Country Credit Union's membership page. Final membership determination is always made by the credit union.

Work at North Country Credit Union?

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Frequently Asked Questions

What rates does North Country Credit Union offer?

North Country Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, student loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are North Country Credit Union rates updated?

RateAPI verifies North Country Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get North Country Credit Union's rate data?

Rate data is collected directly from North Country Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is North Country Credit Union's mortgage rate?

As of August 4, 2026, North Country Credit Union offers mortgage rates from 8.64% APR.

What are North Country Credit Union's auto loan rates?

As of August 4, 2026, North Country Credit Union offers auto loans from 4.83% APR.

What is North Country Credit Union's HELOC rate?

As of August 4, 2026, North Country Credit Union offers home equity lines of credit from 5.7% APR.

What is North Country Credit Union's personal loan rate?

As of August 4, 2026, North Country Credit Union offers personal loans from 2% APR.

What is North Country Credit Union's best CD rate?

As of August 4, 2026, North Country Credit Union offers savings and certificate (CD) yields up to 3.97% APY.

Related Rate Data

Compare North Country Credit Union's rates against national credit-union benchmarks.

More Vermont credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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