News & Events
- Get a $100 Gift Card with a Home Loan
- Certificate Rate Sale
- Shred It Days Upcoming Schedule
- Our Current "Directions" Newsletter
Turn to your Credit Union for all your home financing needs. We offer great rates, a variety of loan terms, and personalized service to ensure you get the best loan.
For a limited time, get a $100 gift card** on any of our home loans. It's a special housewarming gift from us to you!
Home Equity Line applicants: we're currently offering extra low rates:
*APR=Annual Percentage Rate. Rates effective 05/06/2019 for new Home Equity Lines. Please call NCCU at 858-487-1880 for current rates. Hazard, flood and title insurance and NCCU membership are required on all Home Equity Lines. California owner-occupied residences only. All loans subject to credit approval. Home 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. **Offer subject to change without notice. $100 gift card offer is given at closing of a Home Equity Line or Loan, or Mortgage, financed by North County Credit Union or its mortgage service provider, Members Loan Services. Offer valid for loan applications received between May 6 to July 31, 2019. Approved loans must be funded by September 30, 2019. Home Equity Lines applicants must also make a minimum $10,000 initial credit advance to be valid. Offer many not be combined with any other promotional offer.
North County Credit Union Home Equity Lines & Loans: NMLS #756614 / North County Credit Union Mortgages: NMLS #447594 / Members Loan Services Mortgages: NMLS # 311410
12-month Investment Certificate rates as high as 2.00%APY*
Save with peace of mind knowing that your money is earning great returns in a North County Credit Union Investment Certificate. Start with as little as $5,000!*
Worried about locking in funds should rates rise? Ask about our new Flex Certificate option which gives you the choice of bumping up your rate one time during the term of your investment or making a partial or full withdrawal without any penalty. Ask for details.
Scurry though! This is a limited time offer.
*APY = Annual Percentage Yield. APY and term for 12-month Investment Certificate accurate as of 9/19/2019 and subject to change without notice. Minimum opening balance of $5,000 for 12-month certificate to earn 2.50% APY. Early withdrawal penalty applies to all Investment Certificates. Fees could reduce earnings. These Investment Certificates will automatically renew to a non-promotional certificate upon maturity. Investment Certificates maturing during the promotional period will not automatically renew to the promotional rate. You must call (858) 487-1880 or visit any of our branch locations to take advantage of this promotional rate on new and/or renewing Investment Certificates.
Early Withdrawal Penalties: A penalty will apply for principal withdrawals of Investment Certificate made prior to maturity. The penalty imposed shall be as follows:
a) all dividends for 90 days on the amount withdrawn, or
b) all dividends on the amount withdrawn since the date of issuance or renewal, whichever is less, with a minimum equal to 7 days dividends, or
c) if a withdrawal reduces the balance below the required minimum, the account shall be closed and a loss of dividends as in a or b above, whichever is less, will be assessed on the entire amount in the account.
Penalty-free withdrawals are only allowed as required by law.
We offer free Shred It Days* the last Wednesday, Thursday and Friday of each month. Grab your old receipts, statements or other personal documents you want to get rid of and bring them by our branch. You can shred up to four boxes – free!* We’ll shred it. Please just remove all clips and metal fasteners beforehand.
Upcoming Shred It Days:
September 25, 26, 27
October 23, 24, 25
*Up to four boxes of paper per person. North County Credit Union reserves the right to limit or refuse items to be shredded.