44 North Sweet Home OR Credit Union | Affordable Auto Loans & Personal Banking

Introduction

Welcome to 44 North, your trusted financial partner located at 1428 Main St, Sweet Home, OR 97386. Since our establishment in 1956, we have been dedicated to serving our community with integrity and care. With a robust membership base of over 12,203 members and total assets amounting to $160,525,350, we pride ourselves on being a solid foundation for your financial needs. At 44 North, we understand that banking goes beyond transactions; it's about building relationships and fostering community growth. Our team, led by CEO Jeff Elliott and Board President Randy Whitfield, works diligently to provide personalized services tailored to each member's unique situation. Whether you're looking for an auto loan, mortgage refinancing, or simply a savings account, we've got you covered. We offer a wide range of services including checking and savings accounts, personal loans, credit cards with rewards, and business banking solutions. Our commitment to innovation means you can manage your finances easily through online and mobile banking options. Plus, with an ATM and drive-thru service available, accessing your funds has never been more convenient. While members can visit us at our Sweet Home branch for all their banking needs, official correspondence should be sent to the same address: 1428 Main St, Sweet Home, OR 97386-1612. Join us at 44 North, where your financial success is our top priority. Feel free to reach out at 541-259-1235 or visit our website at 44northcu.org to learn more about how we can support you on your financial journey. We look forward to welcoming you into our community!

Branch History & Mission

Welcome to 44 North, your trusted financial partner in Sweet Home, Oregon. Established in 1956, our branch has a rich history of serving the community with dedication and care. Over the years, we have grown alongside our members, evolving to meet their changing needs while maintaining the core values that define us. Located at 1428 Main St, Sweet Home, OR 97386, our branch is easily accessible for local residents. Our commitment to providing excellent service is evident in our operating hours: Monday through Thursday from 9 am to 5 pm and Friday from 9 am to 6 pm. We also offer convenient drive-thru banking services and ATM access for quick transactions. At 44 North, our mission is clear: we strive to empower our members by offering a range of financial services designed for everyday life. Whether you're looking for checking and savings accounts, auto loans, mortgages, or personal loans, we are here to help you achieve your financial goals. With over 12,200 members and total assets exceeding $160 million, we take pride in being a cornerstone of the Sweet Home community. Our focus goes beyond just financial transactions; we believe in supporting the community that supports us. Through various outreach programs and partnerships with local organizations, we aim to make a positive impact on the lives of those around us. We understand that every member has unique needs, which is why we offer personalized service tailored to fit individual circumstances. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: 1428 Main St, Sweet Home, OR 97386-1612. In addition to our traditional services, we embrace technology to enhance your banking experience. Our online and mobile banking options allow you to manage your accounts conveniently from anywhere. Plus, we ensure compliance with ADA standards so that all members can access our services without barriers. Join us today at 44 North and discover how being part of a credit union can benefit you and your family. Experience firsthand the warmth of community-focused banking where your financial well-being is always our priority. For more information or to get started on your journey with us, please call us at 541-259-1235 or visit our website. We look forward to welcoming you!

Branch Location & Accessibility

Connect With Us

If you have any questions or need further assistance, don't hesitate to give us a call at 541-259-1235. We're here to help! Whether you're a current member or interested in joining our community, we invite you to stop by our branch and see how we can assist you today. While members can visit us at 1428 Main St, official correspondence should be sent to the same address. We look forward to welcoming you at 44 North your trusted partner in banking!

Getting Here and Parking

When you visit us, you'll find ample parking available right outside the branch. We strive to ensure that everyone can easily access our services. If you need assistance, our facilities are ADA-compliant and equipped with ramps for those who may require extra support.

Operating Hours

We understand that your schedule can be busy. That's why we offer flexible operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Whether you're stopping by on your way to work or during lunch, we're here to serve you.

Services Offered

At 44 North, we provide 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, we've got you covered. If you're looking for assistance with online banking or mobile payments, our friendly staff is always ready to help. For those who prefer quick transactions, our drive-thru service makes it easy to handle deposits and withdrawals without leaving your car. Plus, you'll find an ATM available on-site for added convenience.

Member Eligibility

At 44 North, we believe that becoming a member means joining a welcoming family that's here to support you every step of the way. If you're looking to be part of our community, eligibility is straightforward. You can become a member if you live, work, worship, or attend school in the Sweet Home area or have a family member who is already a member with us. This means that whether you're new to the area or have deep roots here, there's a place for you at our branch. Joining us offers you access to personalized financial services designed with your needs in mind. From checking and savings accounts to auto loans and credit cards with rewards, we're committed to helping you achieve your financial goals. Opening an account is easy too! For more detailed eligibility criteria and to see how you can start your membership journey, check out this resource: https://44northcu.org/forms-disclosures/membership-and-account-agreement/. If you have any questions or need assistance, feel free to reach out at (541) 259-1235. We look forward to welcoming you at 44 North, located at 1428 Main St Sweet Home Or 97386!

Business Banking & Commercial Services

Loan Options for 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 Work for You

In addition to loans, our merchant services make it easy for you to manage transactions efficiently. Picture this: a busy day at your retail store where every second counts. Our payment processing solutions ensure quick and secure transactions so you can focus on serving your customers rather than worrying about payment issues. Come visit us at 1428 Main St Sweet Home Or 97386 in Sweet Home, OR, or call us at (541) 259-1235 to learn more about how we can help your business flourish!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll appreciate our specialized Business Banking services, which include merchant services and business loans designed to support growth and stability. We know running a business comes with its challenges, so we're here to provide solutions tailored to fit those demands.

Convenient Access

For those who prefer in-person transactions, we have basic drive-thru banking available for deposits, withdrawals, and simple transactions. Plus, enjoy easy access to cash with our ATMs where you can withdraw money or check balances at any time. At 44 North, we're not just about transactions; we're about relationships. Our commitment is reflected in everything we do as we strive to create a welcoming environment where members feel valued and understood. Ready to take the next step? Give us a call at (541) 259-1235 or visit us today! Let's work together toward achieving your financial goals.

Credit Cards

Our Credit Cards with Rewards offer not just purchasing power but also benefits that reward you for everyday spending. Think about how nice it would be to earn points on groceries or gas that can lead to discounts on future purchases!

Loans and Financing

When it comes to financing, we offer several options to meet your needs. Whether you're dreaming of a new car or refinancing an existing mortgage, our Auto Loans & Vehicle Financing make it easy for you to hit the road with confidence. We also provide Mortgage Loans & Refinancing options that can help make homeownership more accessible for you. And if you're looking for personal loans or debt consolidation solutions, our experts are ready to guide you through the process.

Personal Banking

We understand that managing your day-to-day finances is essential. Our Personal Banking services include checking and savings accounts that are designed with your lifestyle in mind. You can easily track your spending and manage your savings through our convenient Online & Mobile Banking platform. Imagine being able to check your balance or transfer funds right from your smartphone while waiting in line or during your lunch break!

Digital & Online Banking

Key Features

Our online banking platform allows you to view your account balances, transfer money, and even manage your e-statements with ease. You can sign documents electronically through our electronic signature authorization feature, eliminating the hassle of printing and mailing paperwork. Plus, with e-statements available, you'll receive your account statements quickly and securely in a digital format. For those who prefer to bank from their mobile devices, our user-friendly mobile application makes it easy to stay on top of your finances. You can make payments using mobile payments, conduct person-to-person transfers effortlessly, and check your balance all from the palm of your hand.

Security & Accessibility

We prioritize your security while ensuring that our services are easy to navigate. Our online banking features are designed with the latest security measures to protect your information while providing you with real-time account management. Whether you're checking transactions or making payments, you can do so with peace of mind. With 44 North, accessing financial services has never been more straightforward or secure. Join us today and discover how our digital banking solutions can simplify your everyday life!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 22,274, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,995,574 further illustrate our dedication to your financial well-being. 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 1428 Main St Sweet Home Or 97386 or call (541) 259-1235 to learn more about how we can help you achieve your financial goals.

Member-Focused 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 $0 reflects our operational efficiency, 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.

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 lending capacity is robust, with $3,912 in used auto loans and $124,386,676 in total loans and leases supporting your financial goals across various sectors.

Strong Financial Health

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 Services

For those who may be considering other financing options or refinancing their current loans, we encourage you to explore our eligibility criteria and see how we can assist you further. If you're interested in any of these offerings or have questions about our services, feel free to reach out at 541-259-1235. You can also visit us 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. At 44 North, we're committed to providing support that helps you navigate your financial journey successfully!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $46,462,532 in used vehicle loans and $11,158,910 in new vehicle loans, helping members get on the road with confidence. Our loan options are straightforward and easy to apply for, making it simple for you to drive away in your new vehicle.

Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $1,360,509 in loans available, we help members manage their finances effectively. Our credit card options come with competitive rates and benefits tailored to fit your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $34,931,725. Whether you're purchasing your first home or refinancing an existing mortgage, our team is here to guide you through every step of the process.

Loan Aggregator

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44 North