44 North Albany OR Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to 44 North, your trusted credit union located at 4129 Santiam Hwy Se, Albany, OR 97322. Established in 1956, we have been committed to serving our community for over six decades. Our mission is to provide reliable financial services that empower our members and foster economic growth in Albany and surrounding areas. At 44 North, we proudly support a growing membership of 12,203 individuals. With total assets exceeding $160 million, we are equipped to meet the diverse financial needs of our members. Whether you are looking for personal banking solutions, auto loans, or business financing options, we are here to help you navigate your financial journey. While members can visit us at our branch location, official correspondence should be sent to 4129 Santiam Hwy SE, Albany, OR 97322. We encourage you to explore our range of services, including checking and savings accounts, credit cards with rewards, and mortgage loans. Our leadership team is dedicated to providing exceptional service; led by CEO Jeff Elliott and Board President Randy Whitfield, our staff is always ready to assist you with a smile. With 40 employees on hand, we're proud to maintain a friendly and knowledgeable team focused on your success. Financial health is at the core of what we do our total deposits stand at an impressive $19,540,921, while our net worth is a solid $19,090,693. We prioritize the safety of your funds with robust measures in place for all your transactions. We invite you to visit us during our lobby hours from Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. For any inquiries or assistance, feel free to call us at 541-259-1235 or send us a fax at 541-259-7986. Explore how we can help you achieve your financial goals today visit our website at 44 North for more information!

Branch History & Mission

At 44 North, our journey began in 1956, right here in Albany, Oregon. Since then, we have built a legacy of trust and community support that thrives to this day. Our branch, located at 4129 Santiam Hwy Se, Albany, OR 97322, has evolved significantly over the years. From our humble beginnings to now serving over 12,203 members and managing total assets of approximately $160,525,350, we've always focused on making a positive impact in the lives of our members and the wider community. Our mission is simple yet profound: to empower our members with financial tools that enhance their lives while fostering a spirit of community. We believe in providing more than just banking services; we are dedicated to supporting local initiatives and partnerships that uplift our neighborhoods. Whether it's through financial education programs or sponsoring local events, 44 North is committed to being an active participant in Albany's growth. In addition to traditional banking services like checking accounts and auto loans, we have embraced modern technology to make banking easier for everyone. Our members enjoy access to online and mobile banking options, enabling them to manage their finances anytime and anywhere. We also ensure that our branch is ADA compliant, allowing all individuals to access our facilities comfortably. While members can visit us at 4129 Santiam Hwy Se, official correspondence should be sent to the same address since it serves as both our branch and mailing location. We invite you to reach out at 541-259-1235 during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. We are proud of our drive-thru service and ATM availability for added convenience. Our commitment extends beyond just banking; we strive to create meaningful connections within our community. By joining 44 North, you become part of something bigger a cooperative that prioritizes your needs while investing back into Albany. So why wait? Come visit us today or explore membership options online! Experience firsthand how 44 North can help you achieve your financial goals while contributing positively to our vibrant community.

Branch Location & Accessibility

Connect With Us

If you have any questions or need assistance before your visit, don't hesitate to give us a call at 541-259-1235. We look forward to welcoming you at our branch soon!

Nearby Landmarks and Accessibility

We're proud to be part of the Albany community, nestled close to local favorites like the Albany Historic Carousel and Museum and just a short drive from the scenic Willamette River. Our location is designed with accessibility in mind, featuring ADA-compliant ramps and ample parking space, so everyone can visit us comfortably.

Operating Hours and Services

We know your time is valuable, which is why we're here to serve you during convenient hours. Join us Monday through Thursday from 9 AM to 5 PM and on Friday from 9 AM to 6 PM. Whether you need assistance with personal banking, auto loans, or mortgage refinancing, our friendly staff is ready to help. Our branch also features a drive-thru service for quick transactions like deposits and withdrawals, making it even easier for you to manage your finances on the go. And if you're in need of cash, we have an ATM available right on site. While members can visit us at 4129 Santiam Hwy Se, official correspondence should be sent to the same address: 4129 Santiam Hwy SE, Albany, OR 97322.

Member Eligibility

At 44 North, we believe that everyone deserves a chance to be part of a welcoming and supportive community. Becoming a member is simple! If you live, work, worship, or attend school in the Albany area, you are likely eligible to join us. We aim to make banking accessible for everyone, so whether you're looking for personal banking solutions or loans, we're here for you. You can find detailed information about eligibility on our website at https://44northcu.org/forms-disclosures/membership-and-account-agreement/ . Once you've confirmed your eligibility, opening an account is just as easy! Visit us online at https://44northcu.org/auto-toy-loans/ or give us a call at (541) 259-1235 if you have any questions. We're excited to help you take this important step toward financial empowerment!

Business Banking & Commercial Services

Business Loan Options

Imagine having the resources to take your business to new heights. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we provide comprehensive merchant services that simplify payment processing for your business. Picture this: a customer walks into your store, makes a purchase, and pays effortlessly through our reliable systems. This not only enhances customer satisfaction but also streamlines your operations, allowing you to focus on what you do best running your business. Visit us at 4129 Santiam Hwy Se Albany Or 97322 in Albany, OR or call us at (541) 259-1235 to discover how our business banking services can empower your entrepreneurial vision!

Comprehensive List Of Services

ATM and Drive-Thru Services

If you prefer face-to-face interactions but have a busy schedule, our drive-thru banking allows for quick deposits and withdrawals without leaving your car. We also have ATM services available for when you're out and about perfect for cash withdrawals or balance checks at any time. At 44 North, we're committed to meeting all your financial needs under one roof. Whether you're an individual looking for personal banking solutions or a business owner seeking resources to grow your company, we've got you covered. We encourage you to reach out to us at (541) 259-1235 with any questions or visit us during our operating hours: Monday - Thursday from 9 AM - 5 PM and Friday from 9 AM - 6 PM. Come see how we can support you on your financial journey!

Business Banking

For our entrepreneurial members, we offer business banking services including merchant services and business loans. We recognize that running a business comes with challenges, so our goal is to make banking as straightforward as possible for you.

Credit Cards

With our credit cards offering rewards, you can earn points for every purchase you make. Whether you're shopping for groceries or planning a vacation, these rewards can add up quickly and benefit you in various ways.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features at 44 North. Our online banking portal is user-friendly, allowing you to access your accounts anytime, anywhere. Plus, with mobile payments and person-to-person payment options available, managing your money has never been easier.

Loans and Financing

Need a new car or thinking about buying a home? Our auto loans and mortgage financing options are designed with competitive rates and flexible terms to help make your dreams a reality. If you're facing unexpected expenses or want to consolidate debt, our personal loans can provide the support you need without added stress.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are tailored for convenience. We offer various account options to fit your lifestyle. Imagine being able to manage your finances easily through our online and mobile banking platforms, which allow you to check balances, transfer funds, and pay bills from the comfort of your home or on the go.

Digital & Online Banking

Key Features

Our digital offerings include e-statements, which help you stay organized and reduce paper clutter. You can receive your statements electronically, making it easy to keep track of your transactions. If you're looking for a quick way to send money to friends or family, our person-to-person transfer feature allows you to do just that with ease. For those who prefer managing their finances from their mobile devices, we have a dedicated mobile application available for download. This app not only allows for mobile payments but also enables you to take advantage of all our online banking features right from your smartphone.

Security and Ease of Use

Your security is our top priority. We use advanced encryption methods to protect your personal information and transactions. Additionally, our electronic signature authorization feature streamlines processes like loan applications and account openings while ensuring that everything remains secure. In short, 44 North's digital and online banking services provide accessible, user-friendly tools that empower you to take control of your finances with confidence. Experience the convenience today by visiting us online at https://44northcu.org/ !

Financial Strength

Growing Member Base

We're excited about our growing community of members; currently, we have a total of 22,274 share accounts. This reflects the trust that so many individuals place in us for their financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 44 North is your trusted partner. Visit us at 4129 Santiam Hwy Se Albany Or 97322 or call (541) 259-1235 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $45,009,870 in share certificates and $17,661,061 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 40 full-time employees and 0 part-time employees who are always ready to assist you with their knowledge and dedication.

Reinvestment for Growth

With $18,795,893 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to your financial well-being is reflected in our capacity to provide diverse lending solutions; currently, we offer $3,912 in used auto loans and $124,386,676 in total loans and leases.

Solid Foundation

With a net worth of $19,090,693, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,187 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Information

For business owners seeking growth opportunities, while we currently do not have outstanding commercial loans available, we are committed to supporting our community's small businesses through future lending options. If you're interested in any of our loan offerings or want more information about eligibility and refinancing options, don't hesitate to reach out! You can contact us at 541-259-1235 during our operating hours: Monday - Thursday from 9 am - 5 pm and Friday from 9 am - 6 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to assist you every step of the way as you explore your loan possibilities at 44 North!

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already issued over $46,462,532 in used vehicle loans and $11,158,910 in new vehicle loans, helping members get on the road with ease. Whether you're looking for financing for a brand-new ride or a reliable used vehicle, we have options tailored just for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $34,931,725. We make the process of buying or refinancing straightforward and accessible. If you're considering refinancing your current mortgage, our team can guide you through eligibility options to find the best solution for your financial situation.

Unsecured Credit Card Loans

Managing day-to-day expenses? We also offer flexible terms on unsecured credit card loans with a total of $1,360,509 in loans available to help our members navigate their finances effectively. This option provides great flexibility and can be a smart tool for budgeting while earning rewards along the way.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, helping them make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimony illustrates how effective LendMesh can be in finding the right loan for individual circumstances. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means that users receive fair and transparent offers tailored to their needs. By using verified data, LendMesh guarantees that all loan offers come from legitimate financial institutions, ensuring a trustworthy experience for every user.

44 North