Our Premier Checking

This account is well suited for the individual who likes to combine checking and savings features into one great service. 

Maintain a monthly average collected balance of $2,500 and your account is service fee free and will earn dividends equal to that paid on a NLCU Savings account - as outlined in the Thirft Savings Table. If your monthly, average, collected balance drops below $2,500, you will incur a monthly service fee.

Take advantage of a quarter point rate reduction for simply having a Premier Checking account! Take an additional quarter point when you make your loan payment through payroll deduction or direct debit. Some restrictions may apply; credit qualification is a requirements.

Current Rate Specials

Please call for current rates! 802.748.2288 or 603.444.9964


Educational Videos


The distributions will take place when we receive your direct deposit. This usually takes two pay periods to begin.

Yes, you can request direct deposit funds to be distributed to an unlimited number of NLCU accounts on which you are a joint owner or co-borrower.

NLCU's routing and transit number is: 211691457

Yes, we can receive payroll deduction and direct deposit from participating employers and government institutions.

Yes. Your deposits are insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government.  Call customer service at 800-856-0026 for a pamphlet for more information.

You can make deposits in person or by mail. You can also make deposits conveniently through payroll deduction or Remote Deposit Capture.

A stop payment request may be made either in person, or via telephone request. A stop payment request made by telephone will expire in 14 days unless confirmed in writing within this same time period. A written stop payment request is valid for six months

If you discover your checks have been lost or stolen, please phone us at 800-856-0026.

After your initial order of checks, you can reorder your checks online (https://www.legacymemberservice.net)

It usually takes between seven to ten business days to receive personal checks. Rush delivery methods are available for a fee.

The Credit Union's routing transit number is 211691457

Ways to Apply

You must first become a member of Northern Lights if you already are not.

The credit union makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Transaction Limits

When it comes to transactions, all accounts are not created equal. There are "transaction accounts," such as share draft checking accounts, that offer unlimited transactions in virtually any form. Then there are "non-transaction accounts" that are intended to foster fewer transactions. Federal law limits the transactions that can be made on share savings and money market accounts, which fall into this category.

What are the limits?
Federal Regulation D states that you may make no more than six (6) automatic or preauthorized transfers from your share savings or money market account per calendar month or statement cycle. (The monthly limit is based on when the transaction is processed, not when the check or item was written or authorized.) If you make a combination of checks/drafts and automatic or preauthorized withdrawals, the total limit is still six.

Transaction Limits by Month Checking Savings Money Market
     In Person unlimited unlimited unlimited
     By Transfer (i.e., direct deposit of payroll or Social Security) unlimited unlimited unlimited
     By Mail unlimited unlimited unlimited

Transfers Between Accounts at the NLCU
     In Person (or by messenger) unlimited unlimited unlimited
     At an ATM unlimited unlimited unlimited
     By Mail unlimited unlimited unlimited
     Pre-Authorized or Automatic Withdrawals unlimited six six
     By Pre-Authorized Transfer to pay a NLCU Loan (incl. Visa, Mortgage, or Credit Union fees) unlimited unlimited unlimited
     Through the Internet (CU AnyHour+) unlimited six six
     By Automated Phone System (TeleAction) unlimited six six
      By Phone Contact to a Telephone Representative unlimited six six

Transfers to Third Parties
     By Check or Share Draft unlimited n/a six
     By Debit Card/Check Card unlimited six six
     By Automated Phone System (TeleAction) unlimited six six
     By Phone Contact to a Telephone Representative unlimited six six
     By Pre-Authorized Transfer (ACH) or Automatic Transfer unlimited six n/a
     Using Bill Pay unlimited six six
     By Fax unlimited six six

     In Person unlimited unlimited unlimited
     At an ATM unlimited unlimited unlimited
     Through the Internet (CU AnyHour+) with the check or share draft made payable to the member and mailed to his or her address. unlimited unlimited unlimited
     By fax with the check or share draft made payable to the member and mailed to his/her address. unlimited unlimited unlimited
     By telephone with the check or share draft made payable to the member and mailed to his/her address unlimited unlimited unlimited

*The Credit Union may require a member to give at least 7 days' notice before funds can be withdrawn - transaction restrictions as imposed by Regulation D.


The Financial Calculators calculated values are purely estimates and are not representative of actual payment amounts. The accuracy of the results is not guaranteed. Differences between these results and results provided by your financial institutions are probably due to rounding or slight differences in the mathematical formulas and/or assumptions used.