Our Money Markets

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!

Current Rate Specials

Please call for current rates! 802.748.2288 or 603.444.9964


Educational Videos


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 update your address in person at our branch locations or emailing (info@northernlightscu.com) the credit union.

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

The Credit Union's routing transit number is 211691457

A credit union is not-for-profit financial cooperative that is formed by people with a common bond. Credit unions are owned and operated by the members it serves. Members of credit unions pool their assets to provide loans and other financial services to each other.

Please visit http://www.northernlightscu.com/AboutUs for operating hours.

To use this service call 877-858-3328

Banks are for-profit companies that exist to generate high levels of profit for their stockholders. Bank stockholders elect a paid board of directors to run the bank and to financially benefit stockholders, not the bank's depositors. Credit unions are not-for-profit organizations that were founded on the idea of "people helping people". They are member-owned and exist to serve their members, with a volunteer board of directors.

Automated Telephone Banking is available 24/7

If you are an employee of one of the companies in our Field of Membership or you Live/Work in Grafton, Sullivan or Cheshire County, NH or Caledonia, Essex, Windham, Windsor or Orange County, VT, you are eligible to join NLCU.  Learn more about Membership Eligibility.

Yes, by requiring all members to enter an access code (PIN), Automated Telephone Banking provides a safe environment for conducting transactions.

You can sign up for Automated Telephone Banking by visiting a NLCU branch or phoning our Customer Service at 800-856-0026

Yes, there is an Automated Telephone Banking Quick Reference Guide Click Here.

All transactions made during business hours take effect immediately. Transactions made after business hours, on a weekend or on a holiday will be posted on the next business day with an effective date of the actual transaction date

A total of six electronic withdrawals or transfers per month are allowed from all Savings and Money Market Accounts. However, unlimited withdrawals and transfers can be made through an ATM or in person at a NLCU branch.

Call 877-858-3328
Enter your member number followed by the # sign
Enter your NLCU access code (PIN) followed by the # sign

This refers to the number assigned to each account type.

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.