North Coast Credit Union Mount Vernon WA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to North Coast, your trusted partner in financial services located at 1410 Riverside Dr, Mount Vernon, WA 98273. Established in 1938, we have proudly served our community for over 85 years, helping 20,721 members achieve their financial goals. With total assets of $379,741,171 and a robust loan portfolio totaling 8,841, we are committed to providing personalized banking solutions that fit your lifestyle. At North Coast, we understand the importance of community. Our dedicated team of 66 employees, led by CEO A.C. Griffith and Board President Jair Furnas, is here to support you with various services including checking and savings accounts, auto loans, mortgages, and business banking. We believe in making banking accessible and enjoyable for everyone in Mount Vernon and beyond. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 1100 Dupont Street, Bellingham, WA 98225. We invite you to explore our website at northcoastcu.com for more information on our offerings. With total deposits reaching $63,379,237 and a net worth of $51,621,833, our stability allows us to provide competitive rates and exceptional service. Whether you're looking for personal loans or seeking assistance with business financing (with a net member business loan balance of $79,722,441), we are here to help you every step of the way. Come visit us during our operating hours from Monday to Friday, 9:00 AM to 5:30 PM. You can reach us at 360-428-1779 or send a fax to 360-671-8235. Join our growing family today and experience the North Coast difference!

Branch History & Mission

Our Journey

From our humble beginnings to becoming a trusted financial institution, North Coast has seen significant milestones along the way. We started with a simple mission: to empower individuals and families in our community through accessible financial services. Over the decades, we've expanded our offerings to include personal banking, auto loans, mortgages, and business banking solutions. As we evolved, so did our commitment to technology and customer convenience. Today, members can enjoy online and mobile banking services that make managing finances easier than ever before. Our drive-thru service offers quick access for deposits and withdrawals without leaving your vehicle. We also maintain an ATM on-site for added convenience. While members can visit us at 1410 Riverside Dr Mount Vernon Wa 98273, official correspondence should be sent to our mailing address at 1100 Dupont Street, Bellingham, WA 98225.

Our Mission

At the heart of North Coast's mission is the desire to uplift our community. We strive not only to provide excellent financial services but also to give back through partnerships and outreach initiatives that support local causes. We believe in helping our members achieve their dreams by offering personalized advice and solutions tailored to their unique needs. Our operating hours from Monday to Friday from 9:00 am to 5:30 pm allow us to serve you better and ensure that we are here when you need us most. Whether you're looking for assistance with a new mortgage or seeking guidance on debt consolidation, our dedicated team is ready to help. We invite you to join North Coast today! Experience firsthand how we can support your financial journey while being an active part of the vibrant Mount Vernon community. Reach out at (360) 428-1779 or visit us online at North Coast to learn more about membership benefits and how we can assist you!

Branch Location & Accessibility

Accessibility and Features

At North Coast, we prioritize accessibility for all our members. Our branch is designed to be welcoming and convenient, featuring ADA-compliant facilities and ramps to ensure everyone can access our services with ease. We also provide ample parking for your convenience. For those who prefer banking on the go, we are pleased to offer a drive-thru service for quick deposits and withdrawals. Additionally, we have an ATM available, so you can manage your cash needs whenever it suits you.

Connect With Us

Our knowledgeable staff is eager to assist you with a range of services including checking and savings accounts, credit cards with rewards, business banking options, and much more. If you have questions or need assistance outside of your visit, don't hesitate to give us a call at 360-428-1779. We invite you to come by the North Coast Mount Vernon Branch today! Experience personalized service in a warm environment where we look forward to helping you achieve your financial goals.

Operating Hours

We're here for you Monday through Friday from 9:00 AM to 5:30 PM. Whether you need assistance with personal banking, auto loans, or mortgage refinancing, our dedicated team is ready to help during these hours. While you can visit us at our physical location for all your banking needs, please note that any official correspondence should be sent to our mailing address at 1100 Dupont Street, Bellingham, WA 98225.

Member Eligibility

Joining the North Coast community means becoming part of a supportive network that truly cares about its members. At North Coast, we welcome individuals who live, work, worship, or attend school in Skagit County and surrounding areas. This inclusive approach ensures that our membership reflects the diverse backgrounds of our community. Plus, being a member comes with fantastic perks like competitive rates on loans, personalized service, and access to a wide range of financial products tailored just for you. If you're ready to take this step, opening an account is a breeze! Simply visit us at 1410 Riverside Dr Mount Vernon Wa 98273 or give us a call at 360-428-1779 for more details. For a full breakdown of eligibility criteria, feel free to check out our website at . To start your application process today, head over to https://secure.northcoastcu.com/userapply . We can't wait to welcome you into our growing family!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer essential merchant services tailored to meet your operational needs. Imagine having streamlined payment processing that allows you to focus on what matters growing your business. Our merchant services help ensure that every transaction is smooth, whether you're selling products online or at a local market. Visit us at 1410 Riverside Dr Mount Vernon Wa 98273 in Mount Vernon, WA, or give us a call at (360) 428-1779 to learn how our business banking solutions can help turn your entrepreneurial dreams into reality!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $118 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $70,285,245, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? With our ATM & Cash Withdrawal Services, accessing your funds is quick and simple. Our ATMs are readily available for withdrawals and balance checks whenever you need them.

Auto Loans & Vehicle Financing

Looking to buy a new car? Our Auto Loans & Vehicle Financing options can get you behind the wheel without breaking the bank. We offer competitive rates and flexible terms, so you can choose a plan that fits your budget. Picture driving off the lot in your new vehicle, all while keeping your finances intact.

Business Banking

For entrepreneurs and business owners, we offer comprehensive Business Banking solutions including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we provide the tools and resources needed to help your business thrive.

Credit Cards with Rewards

Our Credit Cards with Rewards program offers great benefits for everyday spending. Earn points on purchases that can be redeemed for travel, merchandise, or cashback. It's not just about spending; it's about getting rewarded for it!

Drive-Thru Banking

For those days when you're in a hurry but still need banking services, our Basic Drive-Thru Banking allows for easy deposits and withdrawals without leaving your car. It's just one more way we make banking easier for our members. We invite you to visit us at North Coast or call us at 360-428-1779 during our lobby hours from 9:00 AM to 5:30 PM, Monday through Friday. Explore how our array of services can enhance your financial journey today!

Mortgage Loans & Refinancing

For those looking to purchase a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services make the process straightforward. We guide you through each step, ensuring you have the best rates available. Whether you're a first-time buyer or looking to lower your monthly payments, we've got you covered.

Online & Mobile Banking

In today's fast-paced world, we know convenience is key. Our Online & Mobile Banking features allow you to manage your accounts anytime, anywhere. Pay bills, transfer money between accounts, or check balances with just a few taps on your phone. You'll love how easy it is to stay on top of your finances!

Personal Banking

We understand that everyone has unique financial goals. That's why our Personal Banking services include checking and savings accounts designed to help you manage your money efficiently. Imagine being able to set aside funds for a dream vacation or simply having peace of mind knowing your savings are secure.

Personal Loans & Debt Consolidation

If life throws unexpected expenses your way, our Personal Loans & Debt Consolidation options can help lighten the load. These loans allow you to manage multiple debts into one manageable payment, giving you more control over your finances. Imagine feeling relieved as you simplify your monthly bills and regain financial freedom.

Digital & Online Banking

24/7 Availability

Our online banking services are available 24/7, so you can handle your finances whenever it suits you best. Whether it's day or night, managing your money has never been easier with North Coast. With these features at your fingertips, staying on top of your financial goals is simpler than ever!

Key Services

Explore our comprehensive online banking platform at https://www.northcoastcu.com/ . Whether you're checking your balance, transferring funds, or reviewing transaction history, our user-friendly interface makes it easy. You can also take advantage of e-statements, which provide a secure way to view your account statements without the clutter of paper. If you're looking to make quick transactions with friends or family, our person-to-person transfer feature is here for you. This service allows you to send money directly from your account to anyone else's with just their email address or phone number no need for cash or checks!

Mobile Access and Payments

For those who prefer banking on their mobile devices, we offer a robust mobile application that enables you to perform all your banking tasks right from your smartphone. Plus, with our mobile payments feature, you can make purchases quickly and securely using your device it's as easy as tapping! We prioritize your security. While we currently do not support electronic signature authorization for documents, rest assured that all transactions made through our online platforms are protected by top-notch security measures.

Financial Strength

Growing Together

Total Share Accounts at 38,944 show a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $1,886,502, emphasizing our commitment to fostering financial growth within the community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, North Coast is your trusted partner. Visit us at 1410 Riverside Dr Mount Vernon WA 98273 or call 360-428-1779 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.

Member Savings and Investments

Members' savings are secured through $69,531,005 in share certificates and $11,443,948 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 strong performance is reflected in our net income of $2,896,292, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 61 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $51,621,833, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1358 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting in Our Community

With $42,228,240 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 includes $33,841 in used auto loans and a total of $249,406,924 in loans and leases, supporting our members' financial goals across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With $59,590,578 in used vehicle loans and $11,797,450 in new vehicle loans already helping members get on the road, we make it easy for you to drive away with the vehicle you want. Whether you're considering financing for a new or used car, our team is here to assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $8,293,594, giving you the support you need to secure your future home. Our mortgage products are designed to help you navigate the complexities of home financing with ease.

Other Financing Options

In addition to these key offerings, we provide various credit lines with a total value of $169,568,117, ensuring that you have access to funds when you need them most. For business owners looking for growth opportunities, our outstanding commercial loans totaling $70,285,245 provide the capital needed to expand operations and seize new opportunities. If you're considering refinancing any existing loans or exploring eligibility options for any of our products, don't hesitate to reach out. We're here to guide you through the process and ensure that you find the right financial solution for your situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. To learn more about our loan offerings or apply today, give us a call at 360-428-1779 or visit us online at North Coast. Let us help you take the next step toward achieving your financial dreams!

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $3,340,272 in loans helping members manage their finances effectively, our credit cards come with competitive rates and rewards that fit your lifestyle.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh aims to empower users with data-driven insights that make loan shopping easier. LendMesh ensures accurate loan comparisons by sourcing loan data 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 commitment to using verified information guarantees fair and transparent offers for all users. One of the standout features of LendMesh is its emphasis on verified data. Loan offers are sourced from legitimate financial institutions, which helps build trust and confidence among users. Additionally, LendMesh does not prioritize lenders based on paid promotions this means you get unbiased results every time you search for loans. The platform provides real-time rate comparisons from multiple institutions, allowing you to make informed decisions quickly and easily. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping consumers secure better financial deals. 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.

NORTH COAST CREDIT UNION