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Limited Time Offer: Auto Loan Rates as low as 1.99%APR

Swap n' Drop Your Existing Auto Loan Rate by up to 2%APR.*
Do you have an auto loan with another financial institution or dealer on a 2005 or newer vehicle? If yes, bring us the paperwork for your current auto loan and we'll drop your rate by up to 2%APR to as low as 1.99% APR* with terms up to 72 months. You could save hundreds of dollars over the remaining term of your loan.

Planning to Purchase a Car? Get Rates as low as 1.99%APR.
Talk to us first and get preapproved before you shop. You'll know what you can afford upfront and can shop like a cash buyer to help get the best price deal. Plus, for a limited time, we're offering auto loan rates as low as 1.99%APR.*

Start Saving Today!
Call 858-487-1880 to talk with a Loan Office and/or apply over the phone or apply online. If applying online to Swap N' Drop an existing auto loan, please indicate "Swap N' Drop" in the notes section.

*APR = Annual Percentage Rate. Offer valid on applications received from July 1 to September 15, 2014 and is subject to change without notice. Loans must be funded within 30 days of application to be eligible. Existing North County Credit Union vehicle loans are not eligible for offer. Minimum finance rate for this special is 1.99%APR. Maximum loan term is 72 months. Vehicle model year must be 2005 and newer only. 1.99% APR payment example: 72 monthly payments of $17.53 per $1,000 borrowed. No other discounts apply. All loans subject to credit approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Not all applicants will qualify for the lowest rate. Applicant must meet membership criteria. Other restrictions may apply.

New Website Coming Soon

We're really excited about the upcoming launch of our new website which will contain even more financial education content for our members. It will sport our new corporate logo and colors and will provide an optimal viewing experience through its responsive design for easy reading and navigation with a minimum of resizing, panning, and scrolling across a wide range of devices (from mobile phones to desktop computer monitors).

Stay tune for more details!

New Logo & Corporate Colors Transition

As we transition to our new logo and corporate colors, you'll notice some of our communications with our old logo and colors and some with the new (including our new Smartphone and Tablet apps).

We're not trying to confuse you; we're just saving our member-owners (you) money!

We're using up most of our existing stock before we start reprinting material with our new logo. So for the next several months, you may see two different logos and corporate colors.

And don't forget, our redesigned website is coming soon!

Low intro rate Home Equity Line Special

With a Home Equity Line of Credit from North County Credit Union, even your biggest dreams become surprisingly affordable. You can send the kids to college. Remodel your kitchen or go ahead and book that cruise you've always wanted.

A Home Equity Line of Credit offers more flexibility, allowing you to draw out money any time by simply writing a check, transferring funds online, by ATM, or in person. You make payments only on what you borrow, with a competitive variable rate.

Take advantage of this special offer:

  • Twelve Month Introductory Period: 3.99% APR (fixed rate).*
  • After Twelve Month Introductory Period: rates start at 5.00% APR (variable rate).*
  • No closing costs!**

Apply online, over the phone at (858) 487-1880, or in person at our branch.

Hurry, offer only valid on applications received between August 1 and September 30, 2014.

*APR=Annual Percentage Rate. Rates effective 08/01/2014 for new Equity Lines. Please call NCCU at (858) 487-1880 for current rates. Hazard, flood and title insurance and NCCU membership are required on all Equity Lines. California owner-occupied residences only. All loans subject to credit approval.

Equity Line Introductory APR is "discounted" for the first twelve billing cycles. Our standard fully-indexed APR will commence beginning the thirteenth billing cycle. Our standard APR is based on the Wall Street Journal Prime Rate (Prime +0%). When a range of prime rates is published, the highest prime rate applies. Rate varies monthly. Maximum APR is 14%. Minimum APR is 5%. NSF charge is $30. Late payment fee is 5% of payment or $10.00, whichever is greater. Over-the-limit fee is $18. Annual fee of $25 is waived for the first year and any year with an outstanding balance of $20,000 or more. The minimum initial credit advance that you can receive is $10,000.

**NCCU will pay closing costs (excluding government recording charges and title insurance) on new Equity Line applications received between 08/01/2014 and 09/30/ 2014. Initial loan advance must be made by 10/15/2014. Loans paid off and closed in less than 2 years from the loan origination date will require reimbursement of all closing costs paid by NCCU. Closing costs typically range between $150 and $800 depending on the location of the property and the amount of the Equity Line. Offer excludes Equity Lines used for a home purchase and the appraisal fee, if an appraisal is necessary.

NMLS #756614.

New Mobile Banking Apps Available for Smart Phones & Tablets

We're pleased to announce our new Mobile Banking Apps are available. Review the features they provide, then download for free to start using.

  Smartphone Apps
iPhone, iPod Touch, Android
Tablet Apps
iPad, Android, Kindle
Free(Message and data rates may apply from your wireless carrier.)
Account Balances
View Transactions
Transfer Funds
Pay Bills(must first set up bill pay vendor through Online Bill Pay in Internet Teller)
View Check Images
View Rates
Find ATM & Branch Locations
(not available on Kindle Fire)
How to Access Download free North County Credit Union's app from your Smartphone's app store. Login using your Internet Teller login information. Download free North County Credit Union's app from your tablet's app store. Login using your Internet Teller login information.

Questions? Contact Us.

Download North County CU Mobile Banking Apps

Our apps are free but message and data rates may apply from your wireless carrier.

Apple App Store

Google Play Store

Amazon App Store

New Text Banking Service Available

With text commands, you can have account information sent quickly and securely right to your phone.

Text any of the following quick codes to 454-545.

BAL - Receive primary account balance
BAL ALL - Get all account balances
LAST - Last 5 transactions on primary account
BAL CHK - Balances of all checking accounts
BAL SVG - Balances of all savings accounts
TRANS - Transfer funds
STOP - Unsubscribe from service
HELP - How to use

To sign up for this service, provide us with your mobile phone number within Internet Teller, our online banking service.

Additionally, you'll have the option to receive the following text alerts:

  • Weekly balance text (every Friday)
  • Low balance alert
  • Large deposit alert
  • High payment alert

Our Text Banking service is free but text message rates may apply from your wireless carrier. Login to Internet Teller to set your mobile text banking preferences and set up your alerts.

Questions? Contact Us.

New Sprint Discount for Members

Join the over 1.3 million credit union members nationwide that are already saving over $165 million on their wireless plans! Sprint offers all credit union members the following:

  • 10% off* most regularly priced Sprint individual service plans
  • 15% off* most regularly priced Sprint business service plans
  • Waived activation fee on new activations
  • Waived upgrade fee
  • Available to new and existing Sprint customers

*Application of discount requires two year contract extension on existing plans. Verification of credit union membership is required at time of application/upgrade. You can complete the verification process through the Invest in America mobile app.

To get the Sprint credit union discount:

Tell the representative you're a North County Credit Union member and asked to be attached to the NACUC_ZZM corporate ID.

Member Cellular Discounts with Sprint

Our Current “Directions” Newsletter

Make sure you read our quarter newsletter, "Directions." Each issue highlights special promotions and provides helpful information to manage your finances. And don't forget to share our quarterly newsletter with family and friends. You must have Adobe's Acrobat Reader in order to view.

3rd Quarter 2014
2nd Quarter 2014
1st Quarter 2014
Fourth Quarter 2013
Third Quarter 2013

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New Articles From The Home & Family Finance Resource Center

Take a look at the topics featured in this issue of the Home & Family Finance Resource Center. Add this page to your "favorites," and check it out on a regular basis for new information on future content.

  • Everybody's Money Matters-Benefits of Health Savings Accounts
    A health savings account is a tax-advantaged savings account that encourages people to save for future medical expenses.
  • Keep Your Head When Facing Job Loss (featured May 12)
    The economy has turned around, but some industries and regions still see layoffs looming. If you're anticipating a layoff, you can prepare for what the future may hold.
  • Blurred Lines: How to Spot Advertising in Disguise (featured May 19)
    There are blurring boundaries between independent and paid media. This overlap is affecting the publications that we read every day-and, as a result, our perceptions as consumers.
  • Fast Fact: Virtual Bitcoin Carries Actual Risk (featured week of May 26)
    Consumers, beware: Buying and using digital currency such as bitcoin carries certain risks, according to the Financial Industry Regulatory Authority Inc.

Start reading today!