NorthCountry Federal Credit Union

NorthCountry Federal Credit Union

Member-owned financial cooperative with banking services

Overview

NorthCountry Federal Credit Union is a member-owned, not-for-profit financial cooperative serving individuals and businesses in Vermont, New York, and New Hampshire. It offers checking and savings, auto loans, mortgages, HELOCs, credit cards, and certificates of deposit, plus retirement and investment services through a partnership with LPL Financial, all accessible via digital banking tools and a nationwide CO-OP ATM network. Earnings are returned to members as competitive rates and lower fees, with decisions guided by a volunteer board rather than external investors. The goal is to help members reach their financial goals through personalized guidance and community-based programs.

About NorthCountry Federal Credit Union

Simplify's Rating
Why NorthCountry Federal Credit Union is rated
C
Rated C on Competitive Edge
Rated C on Growth Potential
Rated C on Differentiation

Industries

Financial Services

Company Size

51-200

Company Stage

N/A

Total Funding

N/A

Headquarters

South Burlington, Vermont

Founded

N/A

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Simplify's Take

What believers are saying

  • NorthCountry launched mobile deposit, Zelle, e-statements, and GreenPath in 2026.
  • It bought a Woodsville, New Hampshire building in 2025 for first-state branch expansion.
  • 2026 grants and partnerships, including Rhino Foods Foundation, deepen member loyalty locally.

What critics are saying

  • Moore v. Northcountry Federal keeps overdraft-fee practices under legal scrutiny since 2024.
  • Loan-to-share fell to 89.38% in Q1 2026, pressuring balance-sheet growth.
  • A single Vermont-heavy footprint leaves it exposed if local commercial lending weakens.

What makes NorthCountry Federal Credit Union unique

  • NorthCountry reached 78,661 members and $1.13 billion assets by Q1 2026.
  • It expanded into Rutland County in May 2025 and plans a 2027 New Hampshire branch.
  • Its community-first model pairs local grants, financial education, and shared branching access.

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Benefits

Professional Development Budget

Company News

Central Vermont Home Health & Hospice
Sep 24th, 2026
NCFCU grant supports Adult Home Healthcare at CVHHH.

NCFCU grant supports Adult Home Healthcare at CVHHH. Announcements Community News Press Releases Central Vermont Home Health & Hospice (CVHHH) has received a $7,200 grant from NorthCountry Federal Credit Union (NCFCU) to support the agency's Adult Home Healthcare program. This program provides intermittent, short-term medical care, education, and support at home to more than 1,700 Central Vermonters each year. Adult Home Healthcare is designed for patients who are recovering from a hospital stay, injury, or surgery, or who need help managing their chronic disease. Individualized care plans, developed in collaboration with a person's physician, help Central Vermonters regain their strength and independence, take a more active role in their care, and achieve the best-possible health outcomes and quality of life. Services are delivered in the comfort and privacy of home by an interdisciplinary team of experienced registered nurses, physical, speech, and occupational therapists, social workers, and licensed nursing assistants. CVHHH is grateful for NCFCU's ongoing championship of its work and mission. Medicare - its primary payor for home health care services - continues to cut reimbursement for home health services delivered, creating a disparity in the value of the care provided by CVHHH clinicians and what the agency is reimbursed each year. This funding gap makes support from community partners like NCFCU vital to sustaining Central Vermonters' access to Adult Home Healthcare and other CVHHH services. "At NorthCountry, we believe strong communities depend on strong local organizations," says Morgan Salter, NCFCU's Community Relations Manager. "Supporting CVHHH's Adult Home Health Care Program reflects our shared commitment to ensuring everyone has access to the care and resources they need," she says.

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