Annual Meeting of Northern Lights Federal Credit Union is on August 14, 2024. Read More

Our Savings Accounts

Every member has unique saving account needs, and we offer multiple choices to suit you. All our saving accounts pay you monthly dividends with no monthly service charges. We make it easier to manage your money while delivering the features and benefits you deserve.

Basic Savings Account

Savings with a difference! NLCU understands that making a difference means providing savings services to meet your individual lifestyle. If you are just starting out and can only save a little each month, we have the savings solution for you! If you have been saving for years and like having your money at a strong, local community financial institution, we have the account to suit your style.
  • A Traditional Savings Account for the individual who wants to get started saving today!
  • $25 minimum opening deposit
  • $500 minimum balance to earn stated APY
  • No minimum balance to avoid a service fee
  • Free access through Home Banking
  • Free access through Northern Lights Credit Union's mobile application
  • Use Call 24 from your phone to access account balances and make transfers
  • Use Remote Deposit Capture to make deposits online by scanning paper checks with the camera on your mobile phone.

You can also call our Branch locations for assistance.
St. Johnsbury, VT – 800.856.0026
Littleton, NH – 800.370.6455
Langdon, NH – 603.835.2560 

Youth Savings Account

At Northern Lights, we understand that good habits started early in life are the ones that follow you through! That's why we have a NO fee, dividend always, Youth Savings Account for the kids in your life. Whether just born - or until reaching 18, NLCU youth qualify for the highest savings rates! And we make it easy for you to open a savings account for your child through NLCU.
  • Designed for children under age 18
  • No minimum opening deposit
  • No minimum balance to avoid a service fee
  • Access your account in any Northern Lights Credit Union location
  • Receives the highest dividend rate the credit union pays in the Basic Savings product regardless of balance maintained in this account
  • After turning 18 years of age, the account will be classified as Basic Savings

You can also call our Branch locations for assistance.
St. Johnsbury, VT – 800.856.0026
Littleton, NH – 800.370.6455
Langdon, NH – 603.835.2560 

Money Market Account

With our Money Market Account you'll earn a higher return on your balance and maintain checking access to your account. Our tiered dividend structure ensures the more you deposit the more you earn! Make the most of your money with great rates and accessibilty! This account has it all!
  • A limited activity account designed for the member who wants to save, but enjoys the convenience of being able to write a check
  • Higher returns than regular savings
  • Build your savings faster by setting up direct deposits
  • Earnings compounded monthly
  • $2,500 minimum opening deposit
  • $2,500 minimum balance to earn stated APY
  • $2,500 minimum balance to avoid a service fee
  • Account transfers
  • Free eStatements
  • Manage your account through Online Banking
  • Free access through Northern Lights Credit Union's mobile application
  • Use Call 24 to access your account 24 hours a day (1-877-858-3328)
  • Access your account in any Northern Lights Credit Union location

You can also call our Branch locations for assistance.
St. Johnsbury, VT – 800.856.0026
Littleton, NH – 800.370.6455
Langdon, NH – 603.835.2560 

Share Certificates

Share certificates are a secure, and federally insured (up to $250,000) investment tool. Whether you are looking for one certificate - or multiples to maximize your earnings on a regular basis, we have the right fit for your portfolio! Certificates are a way to earn higher interest on your investment while saving for special events such as buying a home or paying for college. You choose the terms that fit best with your savings goal and have the funds available when you need them. Whether just born - or until reaching 18, NLCU youth qualify for the highest savings rates! And we make it easy for you to open a savings account for your child through NLCU.
  • Terms are available from 6 months to 5 years
  • $500 minimum deposit to open
  • Youth certificates available with a minimum deposit of $50 and monthly deposits of $25
  • Higher returns than Basic Savings
  • Dividends compounded monthly
  • With automatic renewals there is nothing you need to do to keep the same term when your Share Certificate renews. If you want to make changes just Contact Us
  • Free eStatements
  • Manage your account through Online Banking
  • Free access through Northern Lights Credit Union's mobile application
  • Use Call 24 to access your account 24 hours a day (1-877-858-3328)
  • Access your account in any Northern Lights Credit Union location

You can also call our Branch locations for assistance.
St. Johnsbury, VT – 800.856.0026
Littleton, NH – 800.370.6455
Langdon, NH – 603.835.2560 

Our Premier Investment Savings

At Northern Lights, we understand that your time is valuable. We don't believe you need to waste time seeking the next certificate rate, hoping you didn't invest too early or too late. Let us help you spend your time doing things you enjoy by offering you our Premier Investment Savings option. The Premier Investment Savings option is for those seeking an investment alternative and requires a minimum balance of $20,000 to qualify and not incur a monthly service fee of $25.
  • Our highest yield savings instrument
  • Designed for the individual who likes dividend rates of return similar to that of a short term Share Certificate, and prefers to have access to their money at any time
  • Build your savings faster by setting up direct deposits
  • Pays a dividend rate based on the average collected balance maintained
  • $20,000 minimum opening deposit
  • $20,000 minimum balance to earn stated APY
  • $20,000 minimum balance to avoid a service fee
  • Manage your account through Online Banking
  • Free access through Northern Lights Credit Union's mobile application
  • Use Call 24 to access your account 24 hours a day (1-877-858-3328)
  • Access your account in any Northern Lights Credit Union location

You can also call our Branch locations for assistance.
St. Johnsbury, VT – 800.856.0026
Littleton, NH – 800.370.6455
Langdon, NH – 603.835.2560