APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 08/25/2022. Fees may reduce earnings.

Kasasa Cash* Learn More

Balance Rate APY
0 - $10,000 1.9819% 2.00%
$10,000+ 0.1998% 2.00% to 0.36%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Minimum deposit of $25. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

It’s really that easy. And remember that even if you don’t meet your qualifications during a cycle, your account is still free — and you’ll still earn our base dividend rate. Then you can get right back to earning your rewards the next month.

Kasasa Saver* Learn More

Balance Rate APY
$0 - $10,000 0.4989% 0.50%
$10,000+ 0.1998% 0.50% to 0.23%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Minimum deposit of $50. Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

So easy. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base dividend rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month!

Share Savings

Balance Dividend Rate APY
< $100 0.00% 0.00%
$101 - $10,000 0.20% 0.20%
$10,001 - $50,000 0.25% 0.25%
$50,001 - $250,000 0.30% 0.30%
> $250,000 0.35% 0.35%

Minimum balance - $25

Youth Accounts

For youth age 16 or younger

Balance Dividend Rate  APY
Up to $5,000 2.00% 2.02%
Above $5,000 0.20% 0.20%

Share Certificates Learn More

Term Minimum Opening Deposit Rate APY
6 Months $1,000 1.30% 1.30%
12 Months $1,000 - $50,000 1.75% 1.75%
12 Months $50,001 - $100,000 1.80% 1.80%
12 Months $100,001+ 1.85% 1.85%
24 Months $1,000 - $50,000 1.85% 1.85%
24 Months $50,001 - $100,000 1.95% 1.95%
24 Months $100,001+ 1.95% 1.96%
36 Months $1,000 - $50,000 2.05% 2.06%
36 Months $50,001 - $100,000 2.10% 2.11%
36 Months $100,001+ 2.15% 2.16%
48 Months $1,000 - $50,000 2.15% 2.16%
48 Months $50,001 - $100,000 2.20% 2.21%
48 Months $100,001+ 2.25% 2.26%
60 Months $1,000 - $50,000 2.25% 2.26%
60 Months $50,001 - $100,000 2.30% 2.31%
60 Months $100,001+ 2.85% 2.36%

Rates and policies subject to change without notice. Fees may reduce earning on account.

PrematureWithdrawal 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 are:
6-month term – loss of 90 days dividends
12-month term (1 year) – 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

Mortgage Rates Learn More

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

Loans APR Term
New Auto Loan** 2.62% - 10.85% Up to 84 months
Used Auto Loan*** 2.92% - 10.85% Up to 72 months
Livestock Trailer 4.875% - 11.88% Up to 96 months
Tractor/Farm Equipment 4.63% - 11.63% Up to 84 months
New Motorcyle^ 4.88% - 15.38% Up to 60 months
New Boat 7.13% - 11.63% Up to 84 months
New and Used RV 7.13% - 12.38% Up to 84 months

**New Auto 2021-22 (or less than 5,000 miles)
***Used Auto 10 years old or newer (used autos older than 2011 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 Learn More

Loan APR
Unsecured Personal Loans 11.74% - 14.74%*
*Maximum loan amount $5,000
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 Learn More

Credit Cards Annual Percentage Rate
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.