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Your Local Ally
Your first home, a new car, or the wedding of your dreams. Whatever you borrow for, North Country Savings Bank is here to address your concerns, guide you through the lending process, and set you up for repayment success. We're your local partners here in the North Country.
Loan Experts
Choosing a loan type and filling out the applications can be a daunting process. Our experienced loan experts are on hand at North Country Savings Bank to provide the support and guidance you need to move through the process easily. Borrow with confidence. Borrow from NCSB.
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Unlike large lenders, our local banking experts will provide you with personalized service as well as low rates. Stop into an NCSB lending location, or get started right away by filling out an online application and one of our Loan Experts will contact you.
home in the North Country purchased with an NCSB mortgage


At NCSB, we know a home is more than walls and a roof - it's where your family creates memories. North Country Savings Bank can help you finance the home of your dreams with a traditional mortgage suited to your unique financial needs. As a community bank, a new home for you means a new neighbor for us – and we like our neighbors! That's why we offer mortgages with no origination or pre-qualification fees, and we reinvest your mortgage dollars back into the community.

first time homebuyer in the North Country

First-Time Homebuyers

Ready to ditch the rental and turn the key to your new home? North Country Savings Bank provides expert advice and step-by-step guidance to first-time homebuyers. We'll begin by explaining the different types of loans available to you, from traditional mortgages to construction loans and purchase plus loans. Then, we'll help prepare your finances for the application process and sit beside you at the closing table. Buying your first home can be a daunting process, but we know you've got this — because we've got you.

First-Time Homebuyers

North Country Pride

Proud to be part of your community.

We're North Country, Too.

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Need more information or immediate assistance?Give us a call, send us a message, or stop into your local branch today.

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Additional Loans We Offer We’re not just mortgage lenders. We also specialize in providing loans that help you build a better future. Maybe you’re looking to build your dream home or start a new business. Perhaps you’re ready to trade in your older car for some new wheels. Or maybe you’d just like to refinance your mortgage to fit your current financial situation. Whatever type of loan you need, NCSB’s experienced Loan Experts are here to help you through the process.

Personal Loans

At North Country Savings Bank, we understand that life doesn't wait for your savings account to catch up. That's why we offer personal loans with flexible terms, customized payment schedules, and easy online management! Take a vacation, plan your wedding, or buy that new refrigerator. It only takes minutes to apply online, and then you can get back to living life worry-free!


You love your home, but over the years, as interest rates fluctuate and your own financial situation changes, you may find that you're unhappy with your monthly mortgage payment. Whether you want to pay less, or a new promotion has you considering early repayment, NCSB's experienced Loan Experts will walk you through the ins and outs of refinancing to find a monthly payment right for you.

Home Equity Loans

Your home is your most valuable asset. When it comes time for renovations or another big purchase, let NCSB's experienced Loan Experts put that asset to work for you. Stop into a lending branch to discuss what a home equity loan, or a home equity line of credit, can do for you.

Construction Loans

Build the house of your dreams with a strong financial foundation. NCSB offers construction loans for both the DIY and the professionally done. Avoid surprises down the road by working with an experienced Loan Expert. They'll help you create a project budget that accounts for all your material and labor needs, down to the final screw, and align your loan disbursal payments with your construction timeline to ensure the project stays on track.

Auto & RV Loans

Part ways with your old clunker and get behind the wheel of a nice, new ride. North Country Savings Bank will help you get from point A to B with competitive rates, flexible auto loan options, easy online management, and no application fees! Whether it's a used car, a new truck, or the RV that will take your family on your next big adventure, NCSB is your financial co-pilot.

Purchase Plus Loans

Not every house is move-in ready. With a purchase plus improvement loan, you can take on a fixer-upper with confidence. This unique loan allows you to finance both the initial purchase of your home plus the cost of initial improvements. And, unlike most purchase plus lenders, we welcome do-it-yourself home renovators!