Northern Lights Federal Credit Union

A short history of Northern Lights FCU

Since its inception in 1951 the Northern Lights Federal Credit Union has been serving its members in the SAINT JOHNSBURY, Vermont area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Rita St. Arnauld, the Northern Lights FCU has grown its membership to over 3,785 with assets of more than $21,161,385. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (802) 748-2288 to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in SAINT JOHNSBURY, VT.

General Information For Northern Lights FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Compare Northern Lights Federal Credit Union To Other Local Credit Unions

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Northern Lights Federal Credit Union Financial Performance Charts

Financial Data

Northern Lights Federal Credit Union Lowest Loan Rates With State and USA Rankings

	Unsecured Credit Card	New Car Loans	Used Car Loans	1st Mortgage Loans	Other Real Estate
Rate	N/A	2.99	2.99	4.95	7.50
Mean Rate For All USA Based Credit Unions	10.56	3.72	5.00	4.48	4.95
Rank Among All USA Credit Unions	N/A	145	91	263	457
Rank Among All Vermont Credit Unions	N/A	5	6	9	10

Northern Lights Federal Credit Union Highest Deposit Rates With State and USA Rankings

	Checking	Regular Savings	Money Market	Certificates of Deposits	IRA/KEOGH
Rate	N/A	0.10	0.15	1.74	0.75
Mean Rate For All USA Based Credit Unions	0.19	0.26	0.29	0.73	0.66
Rank Among All USA Credit Unions	N/A	129	124	62	192
Rank Among All Vermont Credit Unions	N/A	8	10	3	9

Northern Lights Federal Credit Union Loans and Leases

Interest Rate

Number of Loans

Amount

Unsecured Credit Card Loans	0.000	0	0
All Other Unsecured Loans/Lines of Credit	18.000	193	177,111
Short-Term, Small Amount Loans (STS) (Federal CU Only)	0.000	0	0
Non-Federally Guaranteed Student Loans	0.000	0	0
New Vehicle Loans	2.990	156	3,101,376
Used Vehicle Loans	2.990	489	6,161,071
Total 1st Mortgage Real Estate Loans/Lines of Credit	4.950	4	523,898
Total Other Real Estate Loans/Lines of Credit	7.500	99	3,454,841
Leases Receivable	0.000	0	0
Total All Other Loans/Lines of Credit	3.990	447	4,325,187
TOTAL LOANS & LEASES		1,388	17,743,484

Northern Lights Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding

Amt of Loans Outstanding

No. of Loans Granted Year- to-Date

Amount Granted Year-To-Date

Fixed Rate
a. > 15 years	3	369,276	0	0
b. 15 Years or less	0	0	0	0
Balloon/Hybrid
a. > 15 years	0	0	0	0
b. 15 Years or less	0	0	0	0
Other Fixed Rate	0	0	0	0
Adjustable Rate 1 yr or less	0	0	0	0
Adjustable Rate > 1 yr	1	154,622	0	0

OTHER REAL ESTATE

Closed-End Fixed Rate	0	0	0	0
Closed-End Adjustable Rate	0	0	0	0
Open-End Adjustable Rate	35	1,273,962	4	23,230
Open-End Fixed Rate	64	2,180,879	10	126,958
TOTALS	103	3,978,739	14	150,188

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans	0	0		0
Interest Only & Payment Option Other RE/LOC Loans	0	0		0
REVERSE MORTGAGES
a. Federally Insured Home Equity Conversion Mortgage (HECM)	0	0	0	0
b. Proprietary Reverse Mortgage Products	0	0	0	0

Northern Lights Federal Credit Union Member Offerings

First Time Homebuyer Program	No
Real Estate Loans	Yes
Pay Day Lending	No
Share Secured Credit Cards	No
Overdraft Protection/Courtesy Pay	Yes
Overdraft Lines of Credit	Yes
ATM/Debit Card Program	Yes
Interest Only and Payment Option 1st Mortgage Loans	No
Check Cashing	Yes
Money Orders	No
No Surcharge ATMs	Yes
Home Banking Via Internet Website	Yes