Credit union · NCUA insured
NorthCountry Federal Credit Union
Top CarrotA $1.1B credit union, the 429th largest of 4,329, headquartered in S Burlington, VT, with 78,661 members and 13 branches in 2 states. Best rates: CDs 4.00% and savings 1.50% APY.
NorthCountry Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#1 of 16 in Burlington, VT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About NorthCountry Federal Credit Union
In 1950, General Electric employees in Burlington, Vermont organized a credit union to borrow money from one another at better rates than those offered by commercial banks.
- Headquarters
- 69 Swift St, S Burlington, VT 05403
- NCUA charter
- 24312
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to people who live, work, attend school, or worship in qualifying counties in Vermont, New Hampshire, and New York: Addison (VT), Caledonia (VT), Chittenden (VT), Clinton (NY), Coos (NH), Essex (VT), Franklin (VT), Grand Isle (VT), Grafton (NH), Lamoille (VT), Orange (VT), Orleans (VT), Rutland (VT), and Washington (VT).
Family and household
- Membership is open to immediate relatives / immediate family of existing credit union members.
Cost to join
- A minimum balance of $5.00 must be maintained in a share (savings) account to be a member of the credit union.
Branches
13 branches in 2 states
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Vermont
12 branches
Burlington area · 5
- Main OfficeMain office69 Swift St, S Burlington, VT 05403Directions
- Alburgh37 S Main St, Alburgh, VT 05440Directions
- North Ave1049 North Ave, Burlington, VT 05408Directions
- Colchester39 Lower Mountain View Dr, Colchester, VT 05446Directions
- Richford80 Main St, Richford, VT 05476Directions
Barre area · 3
- Barre328 N Main St, Barre, VT 05641Directions
- Berlin3336 Airport Rd, Barre, VT 05641Directions
- East Montpelier49 Carleton Blvd., E Montpelier, VT 05651Directions
Lyndonville area · 1
- Lyndonville854 Center Street, Lyndonville, VT 05851Directions
Morrisville area · 1
- Morrisville37 Upper Munson Ave, Morrisville, VT 05661Directions
Newport area · 1
- Newport1474 E Main St, Newport, VT 05855Directions
Orleans area · 1
- Orleans12 Main St, Orleans, VT 05860Directions
New York
1 branch
- Mooers2488 State Route 11, Mooers, NY 12958Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.72% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.09% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.84% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $91 | $88 | — |
- CapitalNet worth ratio9.72%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.09%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.84%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$91Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of NorthCountry Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.