New Thrive Savings
Open a new savings account and earn 5% APY** on the first $5,000 while you build a short-term goal.
Learn MoreToday’s Featured Rates
Interest rates and fees are determined by loan type based in part on an evaluation of the member’s credit experience. Rates and terms are at the discretion of the credit union and may be changed without notice. For more information, call us at (800) 696-8830 or visit us online at www.northcoastcu.com.
View All RatesVehicle
as low as
5.22%
APR*
Credit Card
as low as
11.99%
APR*
Personal
as low as
11.00%
APR*
Recreational
as low as
7.25%
APR*
Accounts for
Checking
xxxx xxxx xxxx 4821
$4,250.00
Savings
xxxx xxxx xxxx 7390
$8,640.00
Credit card
xxxx xxxx xxxx 1564
$643.54
Credit cards
North Coast Visa · xxxx xxxx xxxx 1564
$643.54
Current balance ·
| Date | Description | Amount |
|---|---|---|
| Sep 18 | Deposit for | +$1,200.00 |
| Sep 12 | Card purchase | -$56.20 |
| Sep 04 | Transfer to savings, | -$250.00 |
Move money
Transfer between accounts held by .
Pay
Pay a bill from the accounts of .
Cards
Debit
xxxx xxxx xxxx 4821
Credit
xxxx xxxx xxxx 1564
Statements
- August statement — checking
- August statement — savings
- July statement — checking
Profile
Name on the account:
Member since 2016
Email alerts and paper statements can be changed with a branch officer.
Plan and track
Goals for
Set aside money for a house, school, or a quieter month. North Coast can split each payday between checking and savings so the goal moves on its own.
- Emergency savings
- Home down payment
- Education
Investments
A path that fits
Work with a North Coast advisor on a plan built around your timeline. If you prefer to choose funds yourself, the same login opens a self-directed account with no set minimum. A managed portfolio starts at $1,000. Larger estates can add trust and giving plans.
Investments are not deposits, are not insured by the NCUA, and can lose value.
Benefits and travel
Card benefits
The North Coast Visa for includes purchase protection on eligible buys and roadside help on trips. Book travel through the card offers page and the charge posts to the card ending in the number shown under Accounts.
Security and privacy
North Coast will not call and ask for a one-time code. Review alerts, freeze the debit card, and update the phone number on this profile.
- Sign-in alerts are on
- Card ending xxxx xxxx xxxx 1564 is active
- Privacy choices are stored with the membership file
Explore products
Loans, insurance, and investing
Home loans, vehicle loans from 5.22% APR*, family insurance, and an investment account can sit beside the checking account of . A banker at any North Coast office can open the next account.
Home loans
New offer
Family insurance
Cover the people in your home with a simple plan for health costs and a small life benefit. Ask in the branch what the monthly amount would be.
Ask about insurance
New offer
Home and personal loans
A home loan for a house, or a personal loan for a repair. Vehicle loans start as low as 5.22% APR*. Bring your income papers when you apply.
See loan optionsLatest financial news
September 2026
Musk’s X adds a crypto trade button
X put a Trade button on cashtags such as bitcoin. It opens charts and sends the order to partners including Coinbase, Kraken, and Gemini. Tesla still holds 11,509 bitcoin and SpaceX holds 18,712.
Read the report
September 17, 2026
FTC: FleetCor to pay $100 million
The Federal Trade Commission said FleetCor, now Corpay, and its CEO will pay $100 million after a court found the fuel-card company charged small businesses unauthorized fees.
FTC release
September 16, 2026
Fed lifts rates to 3.75%–4%
The Federal Reserve raised the federal funds target by a quarter point, the first increase since 2023. Officials said another increase is possible this year.
CNBC report
September 15, 2026
JPMorgan sees a stronger trading quarter
JPMorgan Chase told investors that investment-banking fees and markets revenue should be up by the mid-to-high teens in the third quarter, helped by deal activity.
Reuters reportAbout
North Coast Credit Union is a member-owned credit union serving communities in northwest Washington.
Members elect a volunteer board. Deposits fund loans for other members. Branches serve members across northwest Washington.
Anacortes
Anacortes branch of North Coast Credit Union.
3110 Commercial Ave
Anacortes, WA 98221
Phone: (800) 696-8830
Hours: Mon - Fri 9 a.m. - 5:30 p.m.
Full-service lobby.
Apply for a Loan
Tell us the purpose and the amount. A person follows up during business hours.
Apply for a Mortgage
A home loan needs income records, the property address, and the down payment you have ready.
Bellingham
Bellingham branch of North Coast Credit Union.
1100 Dupont Street
Bellingham, WA 98225
Phone: (800) 696-8830
Hours: Mon - Fri 9 a.m. - 5:30 p.m.
Drive-up service is available.
Resource Blog
Short notes on saving, scams, and how to read a statement.
Start with one automatic transfer
Move a small amount to savings on payday. Raise it only after the checking account still covers bills.
Read the APR line
APR is the yearly cost of borrowing. APY is the yearly yield on savings. They are not the same number.
Business Loans
Local businesses can ask about equipment, vehicles, and short-term cash needs.
Bring basic financial statements and what the funds will buy. A lender will say which request fits a term loan and which fits a line of credit.
Calculators
Estimate a monthly payment. This math stays in your browser.
Careers
Teller, member-service, and lending roles open from time to time.
Checking
A checking account for bills, debit-card spending, and direct deposit.
Checking that stays simple
Use a debit card in stores, pay bills online, and keep a cushion in savings. Ask which checking plan fits how often you use cash.
Sustainability
Small operating choices add up: less paper, efficient branches, and local lending.
- eStatements instead of mailed paper.
- Loans that keep spending in the same towns where members live.
Contact Us
Call (800) 696-8830 or send a note. Lobby hours are Monday to Friday, 9 a.m. to 5:30 p.m.
Credit Cards
A Visa credit card for planned purchases, with a secure way to check out online.
When a checkout shows a saved-card option, you can pay without typing the full number again. Pay the statement balance when you can to avoid interest.
Ferndale
Ferndale branch of North Coast Credit Union.
5657 Riverside Drive
Ferndale, WA 98248
Phone: (800) 696-8830
Hours: Mon - Fri 9 a.m. - 5:30 p.m.
Drive-up service is available.
Branch / ATM Finder
Five offices are listed below. Use the branch page for the street address.
- Anacortes
- Bellingham (Drive Up)
- Ferndale (Drive Up)
- Mount Vernon (Drive Up)
- Sedro-Woolley
Fraud & Scams
North Coast Credit Union will not call and demand a code, gift card, or remote-access login.
Pause before you pay
- Hang up and call the number printed on your card.
- Do not share one-time passcodes.
- Report a lost card the same day.
History
The credit union grew from a local charter into several branches along the north coast.
Each branch still keeps weekday lobby or drive-up hours. Read the location pages for the street address you will visit.
Holiday Closures
Branches follow the posted federal holiday calendar unless a sign says otherwise.
- New Year’s Day
- Memorial Day
- Independence Day
- Labor Day
- Thanksgiving Day
- Christmas Day
ATMs and the mobile app stay available when the lobby is closed.
Home Equity Lines of Credit
A home equity line uses the value you have already built in a home.
You draw funds when a project needs them and pay interest on what you use. The home secures the line, so read the repayment terms before you sign.
Home Mortgages
Buy or refinance a home with a conversation about payment, term, and closing costs.
Bring income documents, the property address, and what you hope the monthly payment will be. A mortgage banker walks through fixed and adjustable choices.
Investing
Longer-term investing sits beside everyday checking and savings.
Before you invest
Investment accounts can lose value. A representative can explain products, fees, and how they differ from insured savings. A representative can walk through the choices before you invest.
Join Us
Joining North Coast Credit Union starts with a short application and a valid ID.
How to join
- Confirm you live, work, worship, or study in a community we serve.
- Choose a savings account. A small opening deposit starts membership.
- Add checking, a debit card, or direct deposit when you are ready.
Leadership
A volunteer board and a management team oversee the credit union.
- Board of directors, elected by members.
- Supervisory committee for internal checks.
- Branch managers at each office.
Loan Rates
Posted rates. Your rate depends on credit and the term.
Vehicle
as low as
5.22%
APR*
Credit Card
as low as
11.99%
APR*
Personal
as low as
11.00%
APR*
Recreational
as low as
7.25%
APR*
Interest rates and fees follow the loan type and a review of credit history. Rates can change. Call (800) 696-8830 to confirm today’s figure.
Make a Payment
Members pay loans from online banking or by transfer from a linked account.
Member Benefits
Membership at North Coast Credit Union is built around everyday money tools and local service.
Why members stay
- Shared branching and surcharge-friendly ATM access.
- Early paycheck deposit on eligible direct deposits.
- Rates and fees explained before you open an account.
Money Transfers
Move money between your accounts or send it to someone else.
- Internal transfers between checking and savings.
- External transfers after the other account is verified.
- Wire requests placed during lobby hours.
Mount Vernon
Mount Vernon branch of North Coast Credit Union.
1410 Riverside Drive
Mount Vernon, WA 98273
Phone: (800) 696-8830
Hours: Mon - Fri 9 a.m. - 5:30 p.m.
Drive-up service is available.
North Coast Cares
Community gifts, school support, and volunteer days sit under the North Coast Cares name.
Staff nominate local projects. Members hear about drives on this page and in the branch.
Online Banking
See balances, move money, and deposit checks from a phone or computer.
What you can do online
- View checking and savings activity.
- Send transfers and pay people you know.
- Set alerts for low balances and posted deposits.
Personal Loans
A personal loan sets one payment for a set number of months.
People use these loans for medical bills, travel, or consolidating smaller balances. There is no extra collateral. The APR shown on the rate board is a starting point, not a promise.
Privacy Policy
How North Coast Credit Union uses member information.
North Coast Credit Union collects the information needed to open accounts, make loans, and meet the law. It does not sell member lists. Information is used to service accounts and meet the law.
Savings
Savings accounts help a balance grow while it stays available for planned expenses.
Ways to save
- Regular savings for membership and an emergency cushion.
- Thrive-style new savings with a published APY on a set balance.
- Goal accounts for school fees, repairs, or a family trip.
Schedule an Appointment
Book a time for a new account, a loan conversation, or a card issue.
Sedro-Woolley
Sedro-Woolley branch of North Coast Credit Union.
108 N Township St Suite B
Sedro-Woolley, WA 98284
Phone: (800) 696-8830
Hours: Mon - Fri 9 a.m. - 5:30 p.m.
Full-service lobby.
Vehicle & Auto Loans
Finance a car, truck, or motorcycle with a term that matches the payment you can carry.
Dealer purchases and refinances both start with the vehicle price, mileage, and your credit profile. Pre-qualifying does not require you to buy that day.
Youth Savings
A first savings account helps young people practice keeping money aside.
For students and families
A parent or guardian opens the account with the child. Statements show each deposit so saving becomes a habit, not a surprise.