Interest Rates for Loans and Deposits

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. Some sample current rates are shown below.

Sample Mortgage Rates

Term Rate
30 Year Fixed 4.00% (conforming)
15 Year Fixed 4.625% (non-conforming)
5/1 Arm 4.25% (non-conforming)
Manufactured Home 6.50%
Age producing land Multiple products available - call for details
Home Equity Line of Credit 4.50%


Get today's mortgage rates Safe and Secure!
Rates quoted for excellent credit score, rates subject to change at any time.
We specialize in non-conforming loans.

Vehicle Loan Rates

Loans Annual Percentage Rate Term
New Auto Loan 2.27%-15.75% Up to 72 months
Used Auto Loan 2.57%-17.75% Up to 60 months
Livestock Trailer 3.99%-5.99% Up to 96 months
Tractor/Farm Equipment 2.75%-10.25% Up to 84 months
New Motorcyles* 5.25%-15.75% Up to 48 months
New Boats 7.50%-12.00% Up to 120 months
New and Used RV 7.50%-12.0% Up to 120 months


*Dirt Bikes Excluded
Rates include .50% reduction with active NBCU checking account or minimum savings balance of $1,000. Active checking is defined as a checking account having 5 or more transactions per month or monthly direct deposits. Certain Restrictions may apply. Your APR 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

Loans Annual Percentage Rate
Signature Loans 9.99%-12.99%
Savings Secured Loan 5.75%


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

Credit Cards Annual Percentage Rate
Visa Platinum Credit Card 8.99%-18.99% Purchases
Visa Platinum Credit Card 5.99%-15.99%


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.

Share Certificates

Minimum Opening Deposit ($)
1,000 - 10,000
1,001 - 50,000
50,001 - 100,000
100,001+
Dividend Compounded
Quarterly
Quarterly
Quarterly
Quarterly
Term Dividend Rate (%) APY (%) Dividend Rate (%) APY (%) Dividend Rate (%) APY (%) Dividend Rate (%) APY (%)
6 Months 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35%
12 Months 0.50% 0.50% 0.75% 0.75% 0.85% 0.85% 1.05% 1.05%
24 Months 0.75% 0.75% 1.00% 1.00% 1.10% 1.10% 1.30% 1.30%
36 Months 1.00% 1.00% 1.25% 1.25% 1.35% 1.35% 1.60% 1.60%
48 Months 1.25% 1.25% 1.50% 1.50% 1.60% 1.60% 1.80% 1.80%
60 Months 1.50% 1.50% 1.75% 1.75% 1.85% 1.85% 2.20% 2.20%


% represent APY= annual percentage yield
Rates and policies subject to change without notice Fees may reduce earning on account, There is an early withdrawal fee equal to 90 days interest or the remaining interest due on the term, whichever is less.