44 North Lebanon OR Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to 44 North, your trusted financial partner located at 485 S 2Nd St, Lebanon, OR 97355. Since opening our doors in 1956, we have been dedicated to serving our community with integrity and commitment. With a strong membership base of 12,203 members, we pride ourselves on being more than just a credit union; we are a part of your journey towards financial wellness. At 44 North, we understand that every member's needs are unique. That's why we offer a wide range of services, including personal banking options, auto loans, mortgages, and business banking solutions. Our total assets stand at an impressive $160,525,350, which reflects our strong foundation and ability to support you in achieving your financial goals. Our dedicated team of 40 employees, led by CEO Jeff Elliott and Board President Randy Whitfield, is here to ensure that you receive personalized service tailored to your specific needs. We believe in building long-lasting relationships with our members and the community we serve. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 265, Lebanon, OR 97355. With total deposits reaching $19,540,921 and net worth of $19,090,693, we are well-equipped to provide the financial stability you deserve. Plus, with over 9,706 loans and leases offered to our members, we're committed to helping you find the right financing solution. Ready to take the next step? Feel free to reach out at 541-259-1235 or visit our website at 44northcu.org for more information about how we can assist you today!

Branch History & Mission

Community Engagement

Our commitment goes beyond financial transactions; we are deeply involved in community outreach efforts that make a real difference. Partnering with local organizations allows us to give back and support initiatives that enrich lives right here in Lebanon. We invite you to join us at 44 North. Experience the benefits of membership where your financial goals are met with personalized service and community spirit. Whether you're looking for guidance on loans or seeking advice on savings plans, our dedicated team is here to help you every step of the way. For more information or to start your journey with us today, don't hesitate to reach out at (541) 259-1235 or visit our website at 44 North. Together, let's build a brighter financial future!

Our Mission

At the heart of 44 North is a simple yet powerful mission: to enhance the financial well-being of our members while actively supporting the community. We offer a range of personal banking services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our goal is not just to provide services but to build lasting relationships with those we serve. We understand that accessibility is key to effective banking. That's why we have made significant strides in digital advancements like online banking and mobile payments. Our ADA-compliant facilities ensure everyone can access our services comfortably. Additionally, our drive-thru banking makes it easier for those on-the-go. While members can visit us at 485 S 2Nd St Lebanon Or 97355, official correspondence should be sent to PO Box 265, Lebanon, OR 97355 if you require mailing services.

Branch Location & Accessibility

Accessibility and Parking

At our branch, accessibility is a priority. We offer ADA-compliant features including ramps to ensure everyone can visit us with ease. Plus, you'll find ample parking available right outside our door, making it simple to drop by whether you're coming for a quick transaction or a more involved banking need.

Contact Us

If you have any questions or would like to learn more about how we can assist you, feel free to give us a call at 541-259-1235. We invite you to visit us at our Lebanon location; our team looks forward to welcoming you soon! While members can visit us at 485 S 2Nd St, official correspondence should be sent to PO Box 265, Lebanon, OR 97355. Come see how we can help you achieve your financial goals!

Operating Hours

We understand that life gets busy, which is why we strive to accommodate your schedule. Our lobby hours are Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Whether you're looking to open an account or need assistance with loans and services, we're here for you!

Services Offered

At the 44 North branch, we pride ourselves on providing a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, our friendly staff is ready to assist you. For those who prefer convenience, we also offer drive-thru banking services for quick deposits and withdrawals. Additionally, you can easily access our ATM on-site for cash withdrawals or balance checks whenever you need them.

Member Eligibility

At 44 North, we believe that everyone deserves a chance to be part of a caring financial community. Becoming a member is simple and welcoming! If you live, work, or attend school in the area or have family members who are already part of our credit union, you're likely eligible to join us. We offer a range of benefits designed just for you, like competitive rates on loans and savings accounts, personalized service, and access to online banking tools that make managing your finances easy and convenient. To learn more about the specific eligibility requirements, feel free to check out our detailed information at https://44northcu.org/forms-disclosures/membership-and-account-agreement/. Once you confirm your eligibility, opening an account is straightforward! You can find all the details you need at https://44northcu.org/auto-toy-loans/. If you have any questions or want to speak with someone directly, don't hesitate to call us at (541) 259-1235. We're here to help you take this exciting step toward better financial well-being at 44 North, located at 485 S 2Nd St Lebanon Or 97355.

Business Banking & Commercial Services

At 44 North, we understand that every business has unique needs and goals. That's why we're dedicated to providing tailored business banking and commercial services that empower local entrepreneurs to thrive. Imagine securing the funding you need to expand your operations or invest in new technology this is where our commercial loans come into play. 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. Additionally, our merchant services make it easier for you to manage transactions seamlessly. Whether you're processing payments or tracking sales, our solutions are designed to simplify your day-to-day operations. At 44 North, located at 485 S 2Nd St Lebanon Or 97355 in Lebanon, OR, we are here to help your business reach its full potential. Contact us today at (541) 259-1235 to learn more about how we can assist you!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our accessible ATM services allow for easy cash withdrawals and balance checks without stepping inside the branch. Plus, our basic drive-thru banking makes simple transactions like deposits and withdrawals quick and convenient. We encourage all our members and potential members in Lebanon, OR to visit us at 485 S 2Nd St Lebanon Or 97355 or give us a call at (541) 259-1235. Experience firsthand how 44 North can support your financial journey! For more information about opening an account or exploring our offerings further, check out our website: Main Office - 485 S 2nd St. Let's build a brighter financial future together!

Business Banking

If you're a business owner, our suite of services includes everything from merchant services to facilitate transactions, to business loans that can help fund your next big project. We understand the unique challenges businesses face, and we're here to support you every step of the way.

Credit Cards

For those who love rewards, our credit cards with rewards let you earn points on everyday purchases. It's a great way to get more out of what you spend while also building credit!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking solutions so you can manage your finances on the go. Whether checking balances, transferring funds, or paying bills, our digital tools put banking at your fingertips.

Home Loans

Owning a home is a significant milestone, and we're here to help you make it happen. Our mortgage loans and refinancing solutions are tailored to suit various budgets and needs. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we've got your back.

Personal Banking

Managing your finances should be straightforward and rewarding. At 44 North, our personal banking options include checking and savings accounts designed to help you achieve your financial goals. Need a little extra help? Our personal loans and debt consolidation services can assist you in managing expenses or consolidating existing debts into one manageable payment.

Vehicle Financing

Dreaming of that new car? We provide competitive auto loans and vehicle financing options that make purchasing a vehicle easier than ever. With flexible terms, we aim to match your budget so you can hit the road with confidence.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and packed with features to enhance your banking experience. Need to send money to a friend? Our person-to-person transfer service makes it easy to send funds quickly and securely. Plus, with our mobile application available for download, you can manage your accounts right from your smartphone, whether you're at home or on the go. Keeping track of your finances is even easier with our e-statements feature. Say goodbye to paper clutter and access your statements anytime, anywhere. We also offer electronic signature authorization for added convenience when signing documents digitally no need to visit the branch!

Security & Accessibility

Your security is our top priority. Our digital services use advanced encryption technology to protect your personal information, so you can bank with confidence. Additionally, our mobile payments feature allows you to make purchases directly from your phone while keeping your financial details safe. With all these resources at your fingertips, managing your finances has never been more accessible or straightforward. Join us at 44 North today and discover how our digital banking options can simplify your life!

Financial Strength

At 44 North, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength with you, reflecting our commitment to providing reliable services and support. 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. 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. 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 lending capacity is reflected in the $3,912 in used auto loans and $124,386,676 in total loans and leases, supporting your financial goals across various sectors. Although our net income stands at $0, it reflects our operational efficiency. This 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team. 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 485 S 2Nd St Lebanon Or 97355 or call (541) 259-1235 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Loan Services

In addition to auto and mortgage loans, we provide various lending options including personal loans and lines of credit totaling $15,000,000. These services are designed to empower you financially whether you're looking to consolidate debt or finance a personal project. Our dedicated team at 44 North is committed to helping you find the right loan product that suits your needs. For more information about our loan offerings or to discuss eligibility requirements, don't hesitate to call us at 541-259-1235. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit our website at 44 North for more details and start your journey towards achieving your financial goals today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $46,462,532 in used vehicle loans and $11,158,910 in new vehicle loans already helping members get on the road. We understand that purchasing a vehicle is an important decision, so we provide financing solutions tailored to fit your budget. Plus, if you're considering refinancing your current auto loan, our team can help you explore eligibility options to potentially lower your monthly payments.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $34,931,725, make buying or refinancing simple. We aim to guide you through the mortgage process seamlessly, ensuring you understand every step along the way. Whether it's your first home or an investment property, our mortgage specialists are here to assist you with competitive rates and personalized service.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,360,509 in loans helping members manage their finances effectively. Our credit cards come with rewards that can enhance your everyday spending experience while providing a safety net for unexpected expenses.

Loan Aggregator

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44 North