Rates
Deposit Account Rates
Rates effective as of June 25, 2026
Youth Accounts
For youth age 16 or younger.
Minimum balance to earn dividends is $25
| Balance | Dividend Rate | APY |
|---|---|---|
| $25+ | 2.00% | 2.02% |
Money Market
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000+ | 0.70% | 0.70% |
| $2,500+ | 0.80% | 0.80 |
| $10,000+ | 0.90% | 0.90% |
| $25,000+ | 1.00% | 1.01% |
| $50,000+ | 1.25% | 1.26% |
| $100,000+ | 1.50% | 1.51% |
| $250,000+
Six (6) transactions per month |
2.00% | 2.02% |
**APY=Annual Percentage Yield. +Penalties will apply for early withdrawal of funds.
Rates and policies subject to change without notice. Fees may reduce earning on account. Dividends compound and paid monthly.
Premature Share Certificate Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date or the renewal date.
Amount of Penalty:
Premature Withdrawal Penalties for Share Certificates are:
- 6-month term: Loss of 90 days dividends
- 12-month term (1 year): Loss of 180 days dividends
- 18-month term (1.5 years): Loss of 180 days dividends
- 24-month term (2 years): Loss of 270 days dividends
- 36-month term (3 years): Loss 270 days dividends
- 48-month term (4 years): Loss of 360 days dividends
- 60-month term (5 years): Loss of 360 days dividends
Loan Rates
Rates effective as of February 13, 2026
Mortgage Rates
North Bay Credit Union offers portfolio mortgage loans (loans we keep in-house) as well as loans brokered to FHA lenders. Interest rates on FHA conforming loans are generally lower than portfolio loans because those loans can be bought and sold in the secondary market, thereby allowing the holder of the loan to minimize its risk.
Portfolio loans are good options for people who do not qualify for conforming loans, either because of their credit situation or because the property they are acquiring does not meet the guidelines imposed by the FHA.
Rates are generally determined by the borrower’s credit history, their current and proposed debt in relation to income, and the amount borrowed relative to the market value of the property. We carefully monitor loan interest rates at other institutions to ensure we are competitive.
If you are rate shopping, please give us a call to describe your situation and let us propose a rate for you to consider. We specialize in non-conforming loans.
Vehicle Loans
| Loan Type | Term | APR |
|---|---|---|
| New Auto Loan**
Get more information about our Auto loans |
Up to 84 months | 6.75% - 13.75% |
| Used Auto Loan*** | Up to 72 months | 7.00% - 14.00% |
| Livestock Trailer | Up to 96 months | 7.29% - 14.29% |
| Tractor/Farm Equipment | Up to 84 months | 7.29% - 14.29% |
| New Motorcyle^ | Up to 60 months | 7.99% - 17.99% |
| New Boat | Up to 84 months | 8.43% - 12.93% |
| New and Used RV
Get more information about our RV loans. |
Up to 84 months | 8.79% - 13.79% |
**New Auto 2025-26 (or less than 5,000 miles)
***Used Auto 10 years old or newer (used autos older than 2016 will have a rate increase of 2.50%)
^ Motorcycles up to 5 years old (dirt bikes excluded)
Your Annual Percentage Rate is based on your credit qualification. The guidelines for terms are determined by loan amount. Your loan officer can help you determine the best rate and terms for your loan, based on your own personal needs and Credit Union policy.
Consumer Loans
| Loan Type | APR |
|---|---|
| Unsecured Personal Loans
Maximum loan amount $5,000 |
12.75% - 15.75%* |
| Savings Secured Loan | 2.50% |
Certain restrictions may apply. Your APR is based on your credit qualification. Rates quoted for excellent credit score, rates subject to change at any time. Repayment terms require monthly payments that amortize the loan principal amount plus accrued interest to retire the loan in full by the end of the loan term. The guidelines for terms are determined by loan amount. Your loan officer can help you determine the best rate and terms for your loan, based on your own personal needs and Credit Union policy.
Credit Cards
| Card Type | APR |
|---|---|
| Visa Platinum Credit Card | 8.99% - 18.99% |
Certain Restrictions may apply. The rate is variable and subject to change. The rates presented above are effective as of the current date. Your individual APR will be based on your credit qualification. The guidelines for terms are determined by loan amount. Your loan officer can help you determine the best rate and terms for your loan, based on your own personal needs and Credit Union policy.