44 North Lebanon OR Credit Union | Quick Personal Loans & Business Banking

Introduction

Welcome to 44 North, your trusted credit union located at 540 S 2Nd St, Lebanon, OR 97355. Established in 1956, we have been serving our community for over six decades, offering a range of financial services designed to meet the diverse needs of our 12,203 members. With total assets exceeding $160 million, we are proud to be a stable and reliable partner for all your banking needs. At 44 North, we believe that financial success is about more than just numbers; it's about building relationships with our members. Our dedicated team of 40 employees, led by CEO Jeff Elliott and Board President Randy Whitfield, is committed to providing personalized service and expert guidance every step of the way. Whether you're interested in opening a checking account, applying for an auto loan, or exploring mortgage options, we're here to help you achieve your goals. While members can visit us at 540 S 2Nd St, official correspondence should be sent to our mailing address: 540 2nd Street, Lebanon, OR 97355. Our friendly staff is available during lobby hours Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM to assist you with any inquiries. With total deposits reaching $19,540,921 and loans totaling 9,706, we have the resources necessary to support our members' financial journeys. Our net worth stands strong at $19,090,693, ensuring that we can continue to provide excellent services well into the future. Join us today and discover how 44 North can help you navigate your financial landscape with confidence. For more information or to get started on your financial journey with us, please visit our website at 44northcu.org or call us at 541-259-1235. We're excited to serve you!

Branch History & Mission

Join Us

As we look toward the future, we invite you to become part of the 44 North family. Experience firsthand the benefits of membership with access to competitive rates, personalized service, and a community-focused approach. Together, let's build a brighter financial future! If you're interested in joining us or learning more about what we offer, feel free to reach out at (541) 259-1235 or visit us online at https://44northcu.org/.

Our Journey

Since our inception, our mission has remained clear: to provide exceptional financial services while fostering a sense of belonging and support within our community. We believe in empowering our members by offering products tailored to their needs, whether it's personal banking, auto loans, or business services. Our commitment to growth and innovation ensures that we stay relevant in an ever-changing financial landscape. Our headquarters in Lebanon allows us to maintain strong ties with the people we serve. With operating hours designed to accommodate busy schedules Monday through Thursday from 9 AM to 5 PM and Friday until 6 PM we strive to make banking accessible for everyone. Although we currently do not offer ATM or drive-thru services, our focus remains on providing personalized assistance and high-quality member service.

Our Mission

At the core of 44 North's mission is a dedication to both financial empowerment and community upliftment. We aim not only to be a trusted financial partner but also an active participant in local initiatives. Our outreach efforts include partnerships with schools, non-profits, and local businesses that strengthen our community fabric. While members can visit us at 540 S 2Nd St Lebanon Or 97355, official correspondence should be sent to 540 2nd Street, Lebanon, OR 97355 for any necessary documentation. We are also committed to making banking easier with digital advancements like online banking and mobile payments.

Branch Location & Accessibility

Contact Us Anytime!

Have questions? Feel free to give us a call at 541-259-1235. Our friendly staff will be happy to help with anything you need or guide you through our services, which include checking and savings accounts, auto loans, mortgage options, personal loans, and more. While members can visit us at 540 S 2Nd St Lebanon Or 97355, official correspondence should be sent to 540 2nd Street, Lebanon, OR 97355. We look forward to welcoming you at 44 North! Come by today and discover how we can support your financial journey!

Easy Access and Nearby Landmarks

Located just a stone's throw away from local landmarks like the Lebanon Community Pool and Lebanon High School, our branch is not only easy to find but also surrounded by places that make your visit convenient. Parking is available nearby, ensuring that you can stop by without any hassle. We also prioritize accessibility with features designed to assist all members of our community.

Friendly Hours and Services

At 44 North, we know that your time is valuable. That's why our lobby hours are designed to fit your schedule: we're open Monday through Thursday from 9 AM to 5 PM and extend our hours on Friday until 6 PM. Although we currently do not have ATM or drive-thru services, our dedicated team is always ready to assist you inside the branch.

Member Eligibility

At 44 North, we believe that everyone deserves a chance to be part of a supportive financial community. Joining us is simple! If you live, work, worship, or attend school in the Lebanon area, you're already eligible for membership. We welcome individuals and families alike, making it easy for you to access our range of services designed to support your financial journey. Plus, being a member means enjoying personalized service and community-focused benefits that can help you achieve your financial goals. To get started, you can visit our branch located at 540 S 2Nd St Lebanon Or 97355, or give us a call at (541) 259-1235 for more information. For detailed eligibility criteria and to see if you're ready to join our family, check out the information available at https://44northcu.org/forms-disclosures/membership-and-account-agreement/. When you're ready to open an account, simply follow the instructions at https://44northcu.org/auto-toy-loans/. We can't wait to welcome you into the 44 North community!

Business Banking & Commercial Services

Financing Your Growth

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 That Make Sense

Imagine having a reliable partner that simplifies your payment processes. Our merchant services offer practical solutions tailored to meet your needs. From accepting credit cards to managing transactions efficiently, we ensure that your business runs smoothly so you can focus on what you do best serving your customers. Visit us at 540 S 2Nd St Lebanon Or 97355 in Lebanon, OR or call us at (541) 259-1235 to learn how we can support your business today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're considering purchasing a new vehicle, our auto loans and vehicle financing can help make that dream a reality. We understand that buying a car is more than just a transaction; it's about finding the right fit for your life. Our competitive rates and flexible terms allow you to choose what works best for your budget. Picture driving off in your new car with peace of mind knowing you've made an informed financial decision.

Business Banking Services

If you're an entrepreneur, our business banking services, including merchant services and business loans, are tailored to support your growth journey. We understand that every business has unique challenges, and we're here to provide personalized solutions that help propel your success forward.

Credit Cards with Rewards

Our credit cards with rewards are perfect for those who love earning while they spend. Enjoy cashback on purchases or earn points toward exciting rewards all while managing your expenses effectively. Envision using these rewards for something special, like a family outing or a cozy dinner out.

Home Financing Options

Looking to buy or refinance a home? Our mortgage loans and refinancing options are designed to fit your housing needs perfectly. Whether you're a first-time homebuyer or looking to reduce your current mortgage payment, our knowledgeable team is here to guide you through each step. Think of the possibilities as you settle into the home you've always wanted!

Online & Mobile Banking Convenience

In today's fast-paced world, convenience is key! That's why we offer robust online and mobile banking features. You can easily check balances, transfer funds, pay bills, and even deposit checks from anywhere at any time! With just a few taps on your phone or clicks on your computer, managing your finances has never been easier. At 44 North, we're dedicated to providing not just services but genuine support in achieving your financial goals. For more information about how we can assist you today, feel free to call us at (541) 259-1235 or visit us online at our website. Join us in making finance work for you!

Personal Banking Solutions

When it comes to personal banking, we offer a variety of options that cater to your unique lifestyle. Our checking and savings accounts help you manage your day-to-day finances easily, whether you're saving for a special occasion or simply want quick access to your funds. Imagine being able to set aside money for that dream vacation while also having a checking account that offers convenient online access.

Personal Loans & Debt Consolidation

For those unexpected expenses or when you need extra cash flow, consider our personal loans and debt consolidation services. Life can throw challenges at us, and having the right financial support can make all the difference. We aim to help simplify your finances by consolidating debts into one easy monthly payment, allowing you to focus on what truly matters.

Digital & Online Banking

Key Services

With our online banking platform available at https://44northcu.org/, you can access your accounts anytime, anywhere. Check your balances, transfer funds, and pay bills with just a few clicks. Plus, our mobile application allows you to do all this right from your smartphone, making it simple to stay on top of your financial needs. We also offer e-statements, so you can say goodbye to paper clutter and keep your financial records organized digitally. For those who want to make transactions quickly, our mobile payments feature lets you pay using your phone with ease. And if you need to send money to friends or family, our person-to-person transfers make it effortless.

Security and Ease of Use

Security is a top priority for us at 44 North. With electronic signature authorization, you can sign documents securely online without the hassle of printing or mailing. Our system is designed with user-friendly features, ensuring that even those new to online banking can navigate it comfortably. With 24/7 access to your accounts through online banking, you're always in control. Whether it's checking recent transactions or managing payments, you have real-time access whenever you need it. Overall, our digital and online banking services are here to support you in achieving financial peace of mind while fitting seamlessly into your busy lifestyle. Join us at 44 North today and discover how easy banking can be!

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 committed to maintaining a strong financial foundation that allows us to serve you effectively, whether you're saving for the future or looking to borrow. 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 robust lending capacity is illustrated by the $3,912 in used auto loans and $124,386,676 in total loans and leases, supporting our members' financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling 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. Net Shares (Funds available for lending and investments): $1,995,574. Total Share and Deposit Accounts: 22,274, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 540 S 2Nd St Lebanon Or 97355 or call (541) 259-1235 to learn more about how we can help you achieve your financial goals.

Loan Offering

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. Whether you're interested in financing a new model or looking for a reliable used vehicle, we have options tailored just for you.

Credit Lines and Unsecured Loans

For those needing extra funds for personal projects or emergencies, we provide total credit lines of $15,000,000 and flexible terms on unsecured credit card loans. With a total of $1,360,509 in unsecured credit card loans helping members manage their finances effectively, you can rest easy knowing that support is available when you need it most. If you're considering refinancing options or checking your eligibility for any of our loan products, feel free to reach out. We are here to guide you through every step of the process. For more information about our loan offerings or if you have any questions regarding the application process, please contact us at 541-259-1235 or visit us at 540 S 2Nd St Lebanon Or 97355. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you find the right loan solution today!

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 offer competitive rates and flexible terms to help you secure your dream home without unnecessary stress.

Loan Aggregator

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44 North