Embarrass Vermillion Credit Union Nett Lake MN | Quick Personal Loans & ATM Services

Introduction

Welcome to Embarrass Vermillion, your trusted financial partner located at 5342 Lake Shore Dr, Nett Lake, MN 55772. Established in 1941, we have proudly served our community for over eight decades, building strong relationships with our 4,796 members. At Embarrass Vermillion, we believe in putting our members first and providing the personal touch that larger banks often overlook. As a member-focused credit union, we are committed to helping you achieve your financial goals. With total assets of $60,088,606 and total deposits reaching $3,021,522, we offer a solid foundation for your banking needs. Whether you're looking for auto loans, mortgages, or personal banking services, we're here to support you every step of the way. Our dedicated team, led by CEO James Kramar and Board President Marty Hendrickson, consists of 16 employees who are passionate about serving you. From our friendly customer service to innovative online banking solutions, we strive to create an exceptional banking experience. You can reach us at (218) 757-0299 during our lobby hours from 8:30 AM to 5:00 PM Monday through Friday. While members can visit us at our branch location, official correspondence should be sent to the same address: 5342 Lake Shore DR, Nett Lake, MN 55772-1200. We invite you to explore our range of services designed for both individuals and businesses alike. Join us today and experience the difference that comes with being a member of Embarrass Vermillion! For more information or to open an account online, please visit our website at www.evfcu.org. Let us help you navigate your financial journey with confidence!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we embrace technology that enhances your banking experience. Whether it's through online banking or mobile payments, we make sure that you have easy access to your finances anytime and anywhere. Additionally, our commitment to ADA compliance ensures that all members can access our services without barriers.

Community Engagement

We are more than just a financial institution; we are part of this community. Our partnerships with local organizations allow us to contribute meaningfully to the growth and well-being of Nett Lake and its residents. Every loan approved and every account opened helps strengthen not just individual finances but also the fabric of our community. We invite you to join us at Embarrass Vermillion where your financial success is our priority! Experience how a member-focused credit union can make a difference in your life. For inquiries or assistance, don't hesitate to call us at 218-757-0299. Welcome aboard!

Our Journey

From our humble beginnings in 1941, the Embarrass Vermillion branch has evolved significantly. We started with a small number of dedicated members and have since expanded our reach, now holding total assets of $60,088,606. Our growth is a testament to the trust our members place in us and the value we bring to their lives. As we grew, so did our offerings. Today, we provide a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. We understand that each member's financial journey is unique; therefore, we strive to meet their needs with personalized service.

Our Mission

At Embarrass Vermillion, our mission is simple yet profound: to empower our members through exceptional financial services while fostering community development. We believe that strong financial health can lead to thriving communities. That's why we not only focus on providing top-notch banking services but also engage in various outreach programs aimed at supporting local initiatives. While you can visit us at our branch location for all your banking needs during lobby hours from 8:30 AM to 5:00 PM Monday through Friday, official correspondence should be sent to our mailing address at 5342 Lake Shore DR, Nett Lake, MN 55772-1200.

Branch Location & Accessibility

Convenient Access

While you can visit us at our branch address for all your banking needs, please note that any official correspondence should be sent to our mailing address: 5342 Lake Shore DR, Nett Lake, MN 55772-1200. Our friendly team is here to assist you during our operating hours from 8:30 AM to 5:00 PM, Monday through Friday. Whether you're stopping by for a quick transaction or seeking advice on loans and accounts, we're ready to help!

Local Landmarks and Features

Situated in Saint Louis County, our branch is conveniently located near local landmarks that make it easy for you to fit a visit into your day. With ample parking available right outside the entrance, accessing our services is hassle-free. Plus, we have ADA-compliant features to ensure everyone can easily navigate our space. If you're looking for quick transactions, take advantage of our drive-thru banking service! It's perfect for deposits, withdrawals, and simple transactions without ever leaving your vehicle.

Reach Out Anytime

Have questions? Don't hesitate to call us at 218-757-0299. Whether you're curious about personal banking options or need assistance with online services like mobile payments and online banking, we're here to support you every step of the way. We invite you to stop by Embarrass Vermillion today! Discover how our friendly staff can help simplify your banking experience while providing personalized service tailored just for you.

Member Eligibility

At Embarrass Vermillion, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the area, you're likely eligible to join us. We also welcome family members of current members, so it's easy to share the benefits with those you care about. Our members enjoy a range of financial services tailored to their needs, from checking and savings accounts to auto loans and credit cards. For more detailed eligibility criteria, feel free to visit us at http://www.evfcu.org/membership-application . Ready to take the next step? Opening an account is straightforward! Just give us a call at (218) 757-0299 or visit our account opening page at https://www.mobicint.net/evf/login/loanapp . We're here to help you every step of the way as you embark on your financial journey with us at Embarrass Vermillion, located at 5342 Lake Shore Dr Nett Lake Mn 55772. Join us today and experience the difference of being part of our member-focused community!

Business Banking & Commercial Services

Business Loans That Fuel 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 Transactions Easy

In today's fast-paced marketplace, having reliable merchant services is crucial. At Embarrass Vermillion, we provide businesses with the tools they need to process payments efficiently. Imagine a local café that can now accept credit cards seamlessly, boosting sales while offering customers convenience. Our merchant services ensure you can focus on what matters most growing your business. Visit us at 5342 Lake Shore Dr Nett Lake Mn 55772 in Nett Lake, MN, or call us at (218) 757-0299 to learn how we can help your business thrive!

Comprehensive List Of Services

Accessing Cash Made Easy

While we do not have ATMs on-site, our drive-thru banking service provides basic transactions such as deposits and withdrawals quickly and efficiently. It's all about making sure you have easy access to your funds whenever you need them. In summary, whether you're an individual looking for personal finance solutions or a business seeking support in managing operations, Embarrass Vermillion is here for you. Visit us at 5342 Lake Shore Dr Nett Lake Mn 55772 or call us at (218) 757-0299 to learn more about how we can assist you with all your banking needs today!

Business Services

If you're a business owner, our business banking services, including merchant services and business loans, are designed to support your growth. We understand the challenges small businesses face and are here to provide the financial tools necessary for success.

Credit Cards

For those who enjoy rewards for their spending, our credit cards with rewards are an excellent choice. You can earn points on everyday purchases, making each transaction more rewarding.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. From checking balances to making payments or transferring funds through person-to-person services, our digital offerings are designed with your busy lifestyle in mind. Plus, with features like e-statements and mobile payments, managing your finances has never been easier.

Home Financing

Thinking about buying a home? We offer competitive mortgage loans and refinancing options that cater to both first-time buyers and seasoned homeowners. Our team will guide you through every step of the process, ensuring you understand your options and find the best fit for your budget.

Personal Banking

Our personal banking services provide everything you need to manage your finances effectively. With checking and savings accounts, you can easily keep track of your money while earning interest on your savings. If you're planning to purchase a car, our auto loans and vehicle financing options make it simple and affordable. Need a little extra cash? Our personal loans and debt consolidation services can help you get back on track without the burden of high-interest rates.

Digital & Online Banking

Accessibility and Ease of Use

At Embarrass Vermillion, we believe in making banking as easy as possible for our members. With real-time account management tools and accessible services, you can stay informed about your finances whenever you need to. Our commitment to providing reliable digital solutions means that managing your money has never been simpler or more secure. Experience the convenience of modern banking today at Embarrass Vermillion! Visit us online at https://www.evfcu.org/ to learn more about how our digital services can help you take control of your financial future.

Key Features

Enjoy the freedom of person-to-person transfers, letting you send money quickly and securely to friends and family. Plus, with our mobile payments feature, you can make purchases directly from your phone no wallet needed! We also provide e-statements, so you can view your financial documents electronically without the clutter of paper statements. Security is a top priority for us. We use electronic signature authorization for safe and efficient document signing, ensuring your information remains protected while you conduct transactions online.

Financial Strength

Dedicated Team

We also take pride in having 15 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Together

Total Share and Deposit Accounts: 9,819, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $332,870, further demonstrating our capacity to support your financial endeavors. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Embarrass Vermillion is your trusted partner. Visit us at 5342 Lake Shore Dr Nett Lake Mn 55772 or call (218) 757-0299 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

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 commitment to operational efficiency is reflected in our $959,006. This efficiency allows us to continue offering competitive loan rates and solid financial products tailored for our members' needs.

Reinvestment for Growth

With $7,535,981 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to improving our services ensures that you receive the best experience possible.

Secure Savings

Your savings are secure with us. We have $4,125,436 in share certificates, which provide stable and rewarding financial growth opportunities. While we currently do not have money market shares available, the focus remains on securing your funds effectively.

Solid Foundations

With a net worth of $9,091,147, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,513 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Goals

Our lending capacity supports members' financial goals across various sectors. With $1,098 in used auto loans and $46,095,048 in total loans and leases, we are here to help you achieve your dreams be it purchasing a vehicle or financing other important needs.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With over $14,166,812 in used vehicle loans and $6,710,733 in new vehicle loans already helping members get on the road, we make it easy for you to find the right financing option. Whether you're interested in a brand-new model or a reliable used vehicle, our competitive rates and flexible terms are designed with your budget in mind.

Credit Lines

For those who need ongoing access to credit, our total credit lines amounting to $2,220,000 offer an excellent solution. This flexibility allows you to draw funds as needed while only paying interest on what you use. If you're considering refinancing any existing loans or want to explore eligibility options for our various loan products, we encourage you to reach out. Our team is here to help guide you through your choices and ensure you find the best fit for your financial situation. For more information or to apply for a loan today, please contact us at (218) 757-0299 or visit us at our branch located at 5342 Lake Shore Dr Nett Lake Mn 55772 in Nett Lake, MN. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We offer personalized guidance throughout the mortgage process, ensuring you understand your options and can choose the loan that best fits your lifestyle.

Unsecured Credit Cards

Managing daily expenses? We also offer flexible terms on unsecured credit card loans, with a total of $1,043,376 in loans helping members manage their finances effectively. These cards provide you with convenient access to funds while allowing you to earn rewards on your purchases.

Loan Aggregator

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EMBARRASS VERMILLION FEDERAL CREDIT UNION