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NORTH TOWNS

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NORTH TOWNS Rates & Review March 2026

Q: How many branches does NORTH TOWNS operate?

NORTH TOWNS currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join NORTH TOWNS?

Yes, to access services at NORTH TOWNS, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, NORTH TOWNS does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, NORTH TOWNS provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 20, 2026

You can compare NORTH TOWNS rates to other rates in our database, including 12-month share certificate rates currently at 0.05%, 6-month share certificate rates at 3.50% and 3-month share certificate rates at 2.00%. Savings rates are at 0.05% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.79%. All these rates can be compared to NORTH TOWNS rates. MonitorBankRates evaluates the financial stability of NORTH TOWNS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.06%. Rates were last updated on 03/20/2026.

NORTH TOWNS money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at NORTH TOWNS? Share your experience about NORTH TOWNS by leaving a review below, or read customer reviews before you decide to use NORTH TOWNS.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.06%

Excellent Lower than avg

Adams State Bank
North Towns FCU

9145 Sheridan Dr
Clarence, NY 14031

http://www.northtownsfcu.com

NORTH TOWNS Credit Card Rates

Product	Rate	APR	View More
VISA Credit Cards	-	8.99%
Details As Low As; as low as... Last Updated 03/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for NORTH TOWNS is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather NORTH TOWNS rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with NORTH TOWNS's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name NORTH TOWNS

Website http://www.northtownsfcu.com

Address 9145 Sheridan Dr, Clarence, NY 14031

Phone 716-630-0888

Fax 716-633-2407

President Joseph Gonzales

CEO Rebecca Smith

Full-Time Employees 6

Part-Time Employees 3

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.06%

Return on Assets (ROA)

0.9288%

Return on Equity (ROE)

10.2296%

Non-Performing Loans Ratio (NPL)

0.94%

Total Assets

49,125,276

Total Amount of Shares and Deposits

44,612,854

Total Shares and Deposits < 1 Year

42,986,358

Total Shares and Deposits 1 3 Years

1,354,770

Total Shares and Deposits > 3 Years

271,726

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,932,601

Total Uninsured Shares and Deposits > $250K (F+J)

2,926,047

Total Insured Shares and Deposits > $250K (item 17 less item K)

41,686,807

Total Interest Expense (Sum of items 6 8)

569,966

Share Certificates

567

Number of Accounts for Share Drafts

1,332

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,179

Non Member Deposits

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,068,614

Total Liabilities

44,688,514

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About NORTH TOWNS

Is NORTH TOWNS a safe place to deposit money?

Yes, NORTH TOWNS is considered a safe financial institution. With a Texas Ratio of 6.0580394154359%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does NORTH TOWNS operate?

NORTH TOWNS currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join NORTH TOWNS?

Yes, to access services at NORTH TOWNS, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, NORTH TOWNS does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, NORTH TOWNS provides members with tools to manage their accounts and build a solid financial history.

Does NORTH TOWNS offer online and mobile banking?

Most modern institutions like NORTH TOWNS provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.northtownsfcu.com.