You’re comfortable but not complacent. This account provides you with the opportunity to earn up to 2% APY* on a balance up to $25,000. To put it bluntly, that ground-level checking just won’t cut it anymore.
You’ve made the choice to become a Northern Lights Credit Union member and avoid the big bank fees. Now it’s time to maximize your potential. This is free checking that pays you. That’s something truly special.
What You Get!Disclosure:
*APY= Annual Percentage Yield. Rates are subject to change without notice.
Current Rate Specials
Please call for current rates! 802.748.2288 or 603.444.9964
Follow these steps to make your budget worksheet:
List your income in a vertical column down the left side of the page. Think of all the sources of income (including paychecks and interest) that you receive. Also, consider how often this income becomes available to you. For example, are you paid weekly or every other week?
List your expenses below your income in that same column. Begin with major expenses such as a car payment, car insurance, food (including school lunches), clothing, and entertainment. Include all expenses, whether you pay in the form of a check, cash, credit card, or the amount is deducted from your credit union account. Remember to include any finance charges, such as interest on your auto loan.
Now, list the related timeframes in a row across the top of the page. For instance, does the expense or income occur weekly, per paycheck, monthly, quarterly, or yearly? Is the expense tax-deductible? If so, add a heading for this in your horizontal row. When you are finished you should have the beginning of a grid or chart. Use this as a worksheet to help you categorize and plan. When you first start using your budget worksheet, you might find that you change it often. That’s good! Your worksheet should be a working document.
Now that you have a “skeleton” worksheet, add anticipated expenses. Are you planning to go to college or participate in a wedding (as either a bridesmaid or a groomsman)? All of these require that you spend a lot of money. (Hint: Anticipate that you will have to spend more than you’d prefer, and budget accordingly. It’s better to be prepared than shocked.) You can also consider anticipated sources of income, such as the yearly birthday check from your Aunt Mildred. Be careful, though; don’t spend the money before you have it.
Don’t forget the “small stuff”! Do you buy soda pop or special coffee, eat lunch out, or buy snacks from the vending machine? If so, keep track of how often you do—and how much you spend. All of these purchases add up throughout the week, the month, and the year. So budget for these, or do without!
Remember: Use your budget as a tool to help you achieve your goals.Once you set up your categories and make it a point to record the appropriate dollar amounts, you’ll see how easy it is to continue recording your income and expenses.
The most difficult part is getting started. But once you have your plan in place, you’ll recognize the power of the information that you have at your fingertips!
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.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
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.