North Shore Federal Credit Union is a financial services cooperative. While we offer all the products and services of a bank, our non-profit structure has some real benefits for our membership. Because we are a non-profit organization, you will immediately notice how our interest rates, for both loans and deposits, are clearly better than what is available elsewhere in our local marketplace. As well, our fees are less and we provide more services without cost. Additionally, we have an annual Patronage Rebate that distributes excess revenues back to the members based on participation in their credit union.