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Northern Lights

1004 Memorial Dr, Saint Johnsbury, VT 05819
NCUA Insured3.1 (9 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1951

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1004 Memorial Dr

Saint Johnsbury, VT 05819

Service Area

This credit union is located in Saint Johnsbury and serves members in the VT area. Currently serving 2,868 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.18%

Used Auto Loan

6.58%

Personal Loan

15.64%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in VT

Lowest rates currently reported by credit unions in VT (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

3.1

9 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Brad Nelson

Brad Nelson

5 months ago

Awesome bank I've been there for years

Emily Clark

Emily Clark

4 years ago

My experience with this bank was absolutely terrible. I was connected with Heather for a mortgage loan process. After being approved for my loan, we slowly continued the process for months getting no where after I’ve sent in all my documentation, just for her to tell me they would no longer be able to give me the loan unless I got a co-signer since my business has not been opened for 2 years (which is required for an FHA loan) which Heather was fully aware of from the first phone call we had together and she should’ve told me this right from the beginning, not 4 months after the process begun. Since this mishap, I’m out a $1,700 earnest deposit check due to this. Not to mention everyone I had to talk too in this bank has been extremely unprofessional and they make you feel like you’re unimportant. I do not recommend this bank to anyone, go absolutely anywhere else. I will be taking my business and money elsewhere. 0/5 stars.

Fran MacKenzie

Fran MacKenzie

3 years ago

Valerie is a wonderful employee at the Littleton and St J office who helped me considerably today

Donnie LaLonde

Donnie LaLonde

5 years ago

Been With Them For Years. Always Been helpful

Kamerin Densmore

Kamerin Densmore

2 weeks ago

Stole several thousand from my Deceased grandfather. Almost causing him to not be even cremated. Refused to acknowledge death and release funds to the Legal account holder. DO NOT USE. Also super inconvenient and the Littleton and Saint Jay locations manager does t have a CLUE what's she's talking about or doing.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).