North Country Credit Union Colchester VT | Affordable Auto Loans & Mortgage Refinancing

Introduction

At North Country, we believe in building strong relationships with our members and the community. Located at 39 Lower Mountain View Dr, Colchester, VT 05446, our branch has been a trusted partner in financial wellness since it opened its doors in 1950. With a commitment to helping you achieve your financial goals, we proudly serve a growing membership of 73,282 individuals who trust us with their banking needs. Our branch is more than just a place to bank; it's a hub for support and guidance. We understand that every member's journey is unique, which is why we offer personalized services tailored to your specific needs. Whether you're looking for auto loans, mortgages, or everyday banking solutions, we have the expertise to assist you. With total assets exceeding $1 billion and total deposits reaching $65,316,560, North Country stands strong as a pillar of financial stability in our community. Our CEO, Robert Morgan, alongside Board President Beth Chenette, leads our dedicated team of 215 employees who are always ready to help you navigate your financial path. While members can visit us at our branch location, official correspondence should be sent to our mailing address at PO Box 64709, Burlington, VT 5406. If you have questions or need assistance, feel free to call us at 802-657-6847. We invite you to explore the various services we offer and discover how North Country can make a positive impact on your financial future. Visit our website at northcountry.org for more information or stop by our branch today!

Branch History & Mission

Welcome to North Country, a proud pillar of the Colchester community since 1950. Nestled at 39 Lower Mountain View Dr, Colchester, VT 05446, our branch has witnessed decades of growth and change, shaping the financial journeys of over 73,282 members. With a commitment to enhancing lives through meaningful financial services, we have consistently expanded our offerings while staying true to our mission: empowering individuals and families to achieve their financial goals. North Country began as a small credit union dedicated to serving its members with personalized service and trustworthy financial advice. Over the years, we have grown significantly, accumulating $1,011,873,568 in total assets. This growth has allowed us to enhance our services and better support our community. We believe that every member deserves access to quality financial products tailored to their unique needs. Whether you are looking for a checking account, auto loan, or mortgage options, North Country is here for you. Our mission is simple yet powerful: we strive to provide exceptional financial services while actively contributing to the well-being of our community. We understand that financial literacy and support are vital for personal success. Therefore, we regularly engage in community outreach programs and partnerships that aim to uplift those around us. At North Country, we pride ourselves on being more than just a credit union; we're a family. Our branch features modern conveniences such as ATM availability and drive-thru banking services for easy access to your accounts. We also offer shared service center transactions for members of partner credit unions who may need assistance while visiting us. While members can visit us at 39 Lower Mountain View Dr, official correspondence should be sent to PO Box 64709, Burlington, VT 5406. Our doors are open during convenient hours: Monday through Wednesday from 8:30 AM to 5:00 PM; Thursday and Friday from 8:30 AM to 6:00 PM; and Saturday from 9:00 AM to 3:00 PM. If you have any questions or need assistance, feel free to reach out at 802-657-6847. As we look towards the future, we remain committed to embracing digital advancements that make banking easier for you whether it's online banking or mobile payments. Join us at North Country and experience the difference that comes from being part of a caring community-focused credit union. Together, let's build a brighter financial future! Explore our membership options here or apply for an account here. Welcome home!

Branch Location & Accessibility

Convenient Access and Parking

At North Country, we understand the importance of accessibility. Our branch is designed with you in mind, featuring ADA-compliant facilities to ensure everyone can visit us comfortably. Ample parking is available right outside the entrance, making it easy for you to pop in and take care of your banking needs.

Let's Connect!

While members can visit us at our Colchester location for all their banking needs, please note that official correspondence should be sent to PO Box 64709 in Burlington if necessary. Have questions? Feel free to call us at 802-657-6847 or visit our website at North Country for more information. We can't wait to welcome you to our branch!

Operating Hours Designed for You

Our operating hours are tailored to fit your busy schedule. We're open Monday through Wednesday from 8:30 AM to 5:00 PM, Thursday and Friday until 6:00 PM, and on Saturdays from 9:00 AM to 3:00 PM. This flexible schedule means you can find time to meet with our friendly staff whether it's during your lunch break or after work.

Services That Meet Your Needs

At North Country, we offer a wide range of services designed to help you manage your finances effectively. From personal checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we've got you covered. Need quick cash? Our ATM is available for easy withdrawals anytime you need it. Plus, if you're on the go, take advantage of our drive-thru service for simple transactions without leaving your car.

Member Eligibility

At North Country, we believe that becoming a member is like joining a supportive family where your financial well-being is our top priority. If you're wondering whether you qualify for membership, let me share some good news! Our doors are open to anyone who lives, works, or worships in the communities we serve. This means if you're part of the vibrant Colchester area or surrounding towns, you're likely eligible to join us. And it's not just about access; being a member gives you exclusive benefits like competitive loan rates and personalized service that truly cares about your goals. Getting started is simple! You can find all the details about eligibility and the easy steps to apply by visiting our website at http://www.northcountry.org/about/explore/membership. Once you're ready, opening an account is just a click away through this link: http://www.northcountry.org/borrow/quick-links/apply-for-a-loan. Should you have any questions or need assistance along the way, feel free to give us a call at (802) 657-6847. We're excited to welcome you into the North Country community!

Business Banking & Commercial Services

Merchant Services that Make a Difference

In addition to loans, our merchant services offer practical tools that help streamline your operations. Imagine having the ability to accept payments easily from customers through various platforms. Our services simplify transactions, allowing you to focus on what matters most growing your business. Visit us at 39 Lower Mountain View Dr Colchester Vt 05446 in Colchester, VT, or call us at (802) 657-6847 to learn how we can partner with you for success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $347 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 $61,553,759, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For our business members, we understand the importance of reliable financial support. Our business banking services, including merchant services and business loans, cater to the unique needs of entrepreneurs looking to grow their ventures.

Credit Solutions

Managing debt can be overwhelming, but we're here to help with our personal loans and debt consolidation services. Our goal is to provide clear options that enable you to regain control over your financial situation. Plus, don't forget about our credit cards with rewards, which offer great benefits for your everyday spending.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Colchester, we offer robust online and mobile banking features that allow you to manage your accounts from anywhere at any time. You can easily make transfers, pay bills, and even access person-to-person payment options right from your smartphone or computer. With ATM and cash withdrawal services available at our location, accessing your funds has never been easier.

Drive-Thru & Shared Branch Services

Need quick service? Our basic drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your car. Additionally, we participate in shared branch transactions for partner credit union members, making it easier than ever to conduct essential banking activities when you're on the go. At North Country, we take pride in being more than just a credit union; we're a community resource committed to supporting our members' financial journeys. If you have questions about any of our services or want to get started today, don't hesitate to reach out! You can call us at (802) 657-6847, or visit us during our operating hours: M-W 8:30 AM - 5:00 PM, Th-F 8:30 AM - 6:00 PM, and Saturday from 9:00 AM - 3:00 PM. Let us help you achieve your financial goals join us at Colchester today!

Personal Banking

Our personal banking options are designed with you in mind. We offer checking and savings accounts that make it simple to manage your day-to-day finances while helping you save for future goals. If you're considering buying a new vehicle, our auto loans and vehicle financing solutions provide competitive rates and flexible terms that suit your budget. For those looking to purchase a home or refinance an existing mortgage, our mortgage loans are crafted to help turn your dreams into reality.

Digital & Online Banking

Convenient Mobile Services

For those who prefer banking on their smartphones, our mobile application is here for you. It supports mobile payments, making it simple to pay for purchases right from your device. Plus, with person-to-person transfers, sending money to friends and family is just a few taps away no need for cash or checks!

Easy Online Access

With our robust online banking platform, available at https://www.northcountry.org/, you can check your balances, transfer funds, and pay bills anytime, anywhere. We prioritize your security with features like electronic signature authorization, so you can sign documents from the comfort of your home without any hassle.

Stay Informed with E-Statements

We also provide e-statements for easy access to your account information. You can view and manage your statements online without cluttering your mailbox. This service not only keeps your financial records organized but also helps you stay environmentally friendly. At North Country, we strive to offer accessible and efficient services tailored to meet your needs. With our commitment to providing real-time account management and secure transactions, banking has never been easier or more convenient. Embrace the convenience of modern banking today!

Financial Strength

Growing Membership Base

Total Share Accounts stand at an impressive 153,588, showing a strong and growing member base that trusts us with their finances. This trust fuels our ability to lend effectively while maintaining liquidity. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, North Country is your trusted partner. Visit us at 39 Lower Mountain View Dr Colchester VT 05446 or call us at 802-657-6847 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $298,928,313 in share certificates and $113,862,138 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 $5,357,458 net income 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 208 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Our Community

With $88,141,767 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 significant; with $13,217 in used auto loans and over $802 million in total loans and leases, we support your financial goals across various sectors.

Solid Financial Foundation

With a net worth of $97,870,764, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.67% 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

At North Country, we understand that financial needs vary from person to person. That's why we offer a range of loan products designed to help you achieve your goals, whether you're looking to buy a new car, purchase a home, or manage your expenses. Located at 39 Lower Mountain View Dr, Colchester, VT 05446, our team is ready to assist you with personalized service and competitive rates. With over 44859 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular; looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $190,362,343 in used vehicle loans and $26,028,768 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a dependable used vehicle, we've got options that fit your budget. Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $65,926,760, making buying or refinancing simple. We provide flexible terms and competitive interest rates to ensure that your journey to owning a home is as smooth as possible. For those looking for credit solutions beyond traditional loans, we also offer flexible terms on unsecured credit card loans. With a total of $40,671,806 in these loans available, our members can manage their finances effectively while enjoying the benefits of rewards programs. Additionally, for business owners seeking growth opportunities, our outstanding commercial loans totaling $61,553,759 provide the capital needed to expand operations and meet market demands. If you're interested in refinancing existing debts or exploring eligibility options for any of our loan products, we're here to help guide you through the process. For more information about how you can get started with one of our loans or explore membership eligibility requirements, visit us online at North Country or give us a call at 802-657-6847. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're committed to supporting your financial journey every step of the way!

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NORTH COUNTRY FEDERAL CREDIT UNION - Colchester, VT

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Vehicle Loans

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