North Coast Credit Union

Bellingham, Washington
Last verified: August 3, 2026
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Verified rate book

Current North Coast Credit Union rates

40 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

2 offers
North Coast Credit Union mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Lot Loans (Serviced Lots)5 1 arm10.000% APR10.000%—Standard
Non-Equity Home Loan (under $20,000)other9.500% APR9.500%—Standard

Auto & vehicle rates

5 offers
North Coast Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
New / Used Vehiclesauto_any_84mo5.220% APR5.220%84 mo · anyStandard
Auto Loanauto5.220% APR5.220%—Standard
New / Used Motorhomesrv_any_120mo7.250% APR7.250%120 mo · anyStandard
Recreationalpowersports7.250% APR7.250%—Standard
Boats, Motorcycles, ATVs, Jet Skis, Horse Trailers, and Snowmobilesboat_any_60mo7.500% APR7.500%60 moStandard

HELOC rates

2 offers
North Coast Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (HELOC) 5-Year Drawheloc_variable6.750% APR6.750%—Standard
Home Equity, 2nd Lienheloc8.000% APR8.000%—Standard

Personal loan rates

4 offers
North Coast Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Unsecured Personal Loanpersonal_unsecured_60mo11.000% APR11.000%60 moStandard
Personal Loanpersonal11.000% APR11.000%—Standard
Smart Line of Credit - Unsecuredploc_variable12.750% APR12.750%—Standard
Personal Line of Creditploc_variable13.750% APR13.750%—Standard

Credit card rates

3 offers
North Coast Credit Union credit card rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Rewards Credit Cardcredit_card_rewards11.990% APR11.990%—Standard
Credit Cardcredit_card11.990% APR11.990%—Standard
Non-Rewards Credit Cardcredit_card_rewards13.990% APR13.990%—Standard

Savings & CD rates

24 offers
North Coast Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Roth IRA / IRA Savingsira0.10% APY0.10%—Standard
Checkingmoney_market0.10% APY0.10%—Standard
Youth Savings (Under 18)savings0.10% APY0.10%—Standard
Savingssavings0.10% APY0.10%—Standard
Health Savings (must have a HDHP)savings0.25% APY0.25%—Standard
3-Month Certificatecd_3mo0.45% APY0.45%3 moStandard
3 Month Roth IRA / IRA Certificateira_cd_3mo0.45% APY0.45%3 moStandard
Checkingmoney_market0.50% APY0.50%—Standard
Money Marketmoney_market0.50% APY0.50%—Standard
60-Month Certificatecd_60mo2.75% APY2.72%60 moStandard
5-Year Roth IRA / IRA Certificateira_cd_60mo2.75% APY2.72%60 moStandard
48-Month Certificatecd_48mo3.00% APY2.96%48 moStandard
4-Year Roth IRA / IRA Certificateira_cd_48mo3.00% APY2.96%48 moStandard
3-Year Roth IRA / IRA Certificateira_cd_36mo3.25% APY3.20%36 moStandard
36-Month Certificatecd_36mo3.25% APY3.20%36 moStandard
18 Month Roth IRA / IRA Certificateira_cd_18mo3.50% APY3.44%18 moStandard
12-Month Certificatecd_12mo3.50% APY3.44%12 moStandard
18-Month Certificatecd_18mo3.50% APY3.44%18 moStandard
24-Month Certificatecd_24mo3.50% APY3.44%24 moStandard
6-Month Certificatecd_6mo3.50% APY3.44%6 moStandard
12 Month Roth IRA / IRA Certificateira_cd_12mo3.50% APY3.44%12 moStandard
2-Year Roth IRA / IRA Certificateira_cd_24mo3.50% APY3.44%24 moStandard
6 Month Roth IRA / IRA Certificateira_cd_6mo3.50% APY3.44%6 moStandard
Thrive Savings**savings5.00% APY4.89%—Standard

As of August 3, 2026, North Coast Credit Union offers a 5 1 arm mortgage at 10% APR (1 points). Vehicle loans available from 5.22% APR for 84 months. HELOC rates from 6.75% APR. Personal loan rates from 11% APR. Credit card rates from 11.99% APR. Savings and certificate yields up to 5.00% APY.

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

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About North Coast Credit Union

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

Members
20.4K
Assets
$429.7M
Founded
1938
Locations reported
5
NCUA charter
66734
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • Bilingual services

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.

HarborstoneBelligham · Bellingham · WA · 98225Branch in the same ZIPIndustrial CU of Whatcom CountyState Street · Bellingham · WA · 98225-5014Branch in the same ZIPWestedgeWestEdge FCU · Bellingham · WA · 98225-3529Branch in the same ZIPWhatcom EducationalAdmin Building - 21 Bellwether Way · Bellingham · WA · 98225Branch in the same ZIPBoeing EmployeesBellingham Lakeway NFC · Bellingham · WA · 98229-2020About 6.1 miles awayNorthwest PlusBurlington · Burlington · WA · 98233About 19.2 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 Coast Credit Union

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

Community charter: live/work in WA

  • LocationWA

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

Work at North Coast Credit Union?

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Frequently Asked Questions

What rates does North Coast Credit Union offer?

North Coast Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are North Coast Credit Union rates updated?

RateAPI verifies North Coast Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

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

Rate data is collected directly from North Coast 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 Coast Credit Union's mortgage rate?

As of August 3, 2026, North Coast Credit Union offers a 5 1 arm mortgage at 10% APR.

What are North Coast Credit Union's auto, rv, boat & powersports loan rates?

As of August 3, 2026, North Coast Credit Union offers vehicle loans from 5.22% APR.

What is North Coast Credit Union's HELOC rate?

As of August 3, 2026, North Coast Credit Union offers home equity lines of credit from 6.75% APR.

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

As of August 3, 2026, North Coast Credit Union offers personal loans from 11% APR.

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

As of August 3, 2026, North Coast Credit Union offers savings and certificate (CD) yields up to 5.00% APY.

Related Rate Data

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

More Washington 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.

View Methodology

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# Get rates for North Coast Credit Union
curl "https://api.rateapi.dev/credit-unions/washington/north-coast" \
  -H "Authorization: Bearer YOUR_API_KEY"
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