Fraud Alert: If you receive a call or text claiming to be from 44 North Credit Union, do not provide your banking or personal information. Hang up and call us directly at 541.259.1235 to verify the communication.
Fraud Alert: If you receive a call or text claiming to be from 44 North Credit Union, do not provide your banking or personal information. Hang up and call us directly at 541.259.1235 to verify the communication.
A $25 deposit into a Share Savings account establishes your membership with the credit union. Because a credit union is member owned, the money in your account is the equivalent of shares.
Enjoy higher dividends with this account with a minimum balance of $1,000, while maintaining higher flexibility to your money than certificates. The more money you deposit, the higher the return.
We offer traditional, Roth and Educational IRAs. Even if you have an employer-sponsored retirement plan you can still contribute to an IRA each year to boost your savings.
TERM SHARE ACCOUNTS (CDs)
Attain a higher dividend rate while maintaining the safety and security of a credit union investment. Open a certificate with a minimum balance of $500 with terms ranging from 6 months to 3 years.
When you invest in a 44 North CU Certificate of Deposit, you’ll earn a guaranteed interest rate for the term of your CD. And you can rest easy knowing your principal is federally insured.
You can use a Christmas club account to automate your savings and help take some of the financial stress out of the holiday season.
Enjoy the holidays next year without worrying about all of the expenses! Just a small amount every payday (but you can deposit whenever you like) will add up at the end of the year.
Savings incentives and other benefits make this a great way to introduce young people to the world of finance. It only takes $5 to establish membership.
Teens ages 13-18 earn punches on a punch card for their deposits (limit 4 per month). Teen accounts feature:
Each time an adult brings you to the Credit Union to make a deposit into your Star Saver account, you earn a Star Saver token that can be traded in for prizes.
Come in and see us, open an account, make deposits, and save your tokens for great fun prizes ranging from 2 to 25 tokens.
We also offer our young people great scholarship opportunities.
You can print scholarship applications here, or stop by any of our three branches to pick one up.
| Dividend Rates | |||
| As of 8/15/2025 | |||
| Type of Account | Minimum Balance for Dividend | Rate | APY |
| Insurance Savings | $100 | 0.05% | 0.05% |
| Share Savings | $100 | 0.05% | 0.05% |
| IRA Savings | N/A | 0.10% | 0.10% |
| Star Savers and Christmas Club | N/A | 0.05% | 0.05% |
| Money Market | $1,000 | 0.40% | 0.40% |
| Money Market accounts and Term Share Certificate dividends calculated monthly, paid monthly. All other accounts, dividends calculated monthly, paid quarterly. | |||
| Share Certificate Rate Schedule | |||
| As of 8/01/2026 | |||
|
Min. Initial Deposit
$500 - $24,999 |
Min. Initial Deposit
$25,000 - $99,999 |
Min Initial Deposit
$100,000 - $249,999 |
|
| Account Type | Dividend Rate/Annual Percentage Yield (APY) | Dividend Rate/Annual Percentage Yield (APY) | Dividend Rate/Annual Percentage Yield (APY) |
| 6 Months | 1.292% / 1.30% | 1.292% / 1.30% | 1.292% / 1.30% |
| 12 Months | 2.521% / 2.55% | 2.521% / 2.55% | 2.521% / 2.55% |
| 18 Months | 2.618% / 2.65% | 2.618% / 2.65% | 2.618% / 2.65% |
| 24 Months | 2.716% / 2.75% | 2.716% / 2.75% | 2.716% / 2.75% |
| 36 Months | 2.813% / 2.85% | 2.813% / 2.85% | 2.813% / 2.85% |
| 15-Month CD Special | 3.735% / 3.80% | 3.735% / 3.80% | 3.735% / 3.80% |
| APY = Annual Percentage Yield. APR = Annual Percentage Rate. | |||
