What does that mean? North County CU is a not-for-profit financial cooperative owned by its members. Your $5 opening deposit in our Membership Savings Account buys you one share in the credit union - that makes you an equal owner of this financial institution. As a member who owns one share of our cooperative, you have one vote to elect our volunteer Board of Directors.
The Board works closely with our Senior Management Team to set the course of the credit union and serve as the voice of the membership. Board members are volunteers, meaning they don't get paid and their decisions are guided by what's best for our membership. The money we earn goes back to our members (people like you), not into the pockets of stockholders like at a bank.
Members in good standing who are over 18 years of age are eligible to serve on our Board. Elections are held once a year and all members are invited to participate in the election and nomination process. Many members of credit unions like knowing their savings will go back into the community and help other members get mortgages to buy homes and loans for new cars.
The Board works closely with our Senior Management Team to set the course of the credit union and serve as the voice of the membership. Board members are volunteers, meaning they don't get paid and their decisions are guided by what's best for our membership. The money we earn goes back to our members (people like you), not into the pockets of stockholders like at a bank.
Members in good standing who are over 18 years of age are eligible to serve on our Board. Elections are held once a year and all members are invited to participate in the election and nomination process. Many members of credit unions like knowing their savings will go back into the community and help other members get mortgages to buy homes and loans for new cars.
Services
Your funds held with us are insured to at least $250,000 by the National Credit Union Administration (NCUA).
IRA deposits are separately federally insured to at least $250,000 by the NCUA.
IRA deposits are insured separately federally insured to at least $250,000 by the NCUA.
Annual Percentage Rate (APR) shown are for qualified borrowers and reflect loan amounts up to 100% of the retail value.
Other rates are available and your APR may vary based upon the collateral, amount financed, term and credit history.
IRA deposits are separately federally insured to at least $250,000 by the NCUA.
IRA deposits are insured separately federally insured to at least $250,000 by the NCUA.
Annual Percentage Rate (APR) shown are for qualified borrowers and reflect loan amounts up to 100% of the retail value.
Other rates are available and your APR may vary based upon the collateral, amount financed, term and credit history.
Make North County Credit Union loan payments from a checking or savings account from another financial institution.
Make a one-time payment or set up recurring payments.
There is no fee for scheduled recurring payments; otherwise a $10 fee applies for single payments.
Please note that payments made after 12:00 p.m. PT are processed the following business day.
To make a payment from an existing North County Credit Union account, use our free TeleTeller online banking service.
Make a one-time payment or set up recurring payments.
There is no fee for scheduled recurring payments; otherwise a $10 fee applies for single payments.
Please note that payments made after 12:00 p.m. PT are processed the following business day.
To make a payment from an existing North County Credit Union account, use our free TeleTeller online banking service.
Save time and money by taking advantage of North County CU services that get your money where you want it to go automatically - without having to stand in a teller line!
Direct Deposit is the electronic transfer of a payment into your account.
The payment can be divided among several different accounts and, in many cases, between different financial institutions.
Payroll Deduction is the most popular application of Direct Deposit.
You initiate Payroll Deduction with your employer by giving them your North County CU routing number, account number, and an indication of whether you want all or a portion of your paycheck deposited.
Direct Deposit is the electronic transfer of a payment into your account.
The payment can be divided among several different accounts and, in many cases, between different financial institutions.
Payroll Deduction is the most popular application of Direct Deposit.
You initiate Payroll Deduction with your employer by giving them your North County CU routing number, account number, and an indication of whether you want all or a portion of your paycheck deposited.
Help protect your good credit rating when you accidentally overdraw your checking account.
Saves you money - you won't have to pay high merchant returned check charges and collection agency fees.
Available balances over $5 in your Membership Savings Account are automatically transferred to cover an overdraft.
Credit Union may cover at its discretion overdrafts caused by checks, Visa Debit Card transactions and ACH items as long as you meet our eligibility requirements*.
The maximum dollar amount of overdrafts North County CU will cover for each member is $1,000, including the Courtesy Cover fee.
Saves you money - you won't have to pay high merchant returned check charges and collection agency fees.
Available balances over $5 in your Membership Savings Account are automatically transferred to cover an overdraft.
Credit Union may cover at its discretion overdrafts caused by checks, Visa Debit Card transactions and ACH items as long as you meet our eligibility requirements*.
The maximum dollar amount of overdrafts North County CU will cover for each member is $1,000, including the Courtesy Cover fee.
We offer a wide range of first mortgages at competitive rates, with many attractive features and prepayment privileges through our mortgage service provider, Members Loan Services (MLS).
To talk to a Mortgage Specialist, call 858-217-2470, toll-free at 888-567-6989, or email Members Loan Services at [email protected].
To talk to a Mortgage Specialist, call 858-217-2470, toll-free at 888-567-6989, or email Members Loan Services at [email protected].
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