North Iowa Community Credit Union Mason City IA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to North Iowa Community, your trusted financial partner located at 640 S Federal Ave, Mason City, IA 50401. Established in 1956, we have proudly served our community for over six decades, growing alongside our members and adapting to their needs. With a total membership of 11,309 and assets amounting to $118,638,756, we are dedicated to providing personalized financial solutions that help you achieve your goals. At North Iowa Community, we offer a range of services tailored to meet the diverse needs of our members from checking and savings accounts to auto loans and mortgage financing. Our commitment to exceptional service is reflected in our robust total deposits of $7,971,760 and a net worth of $10,089,646, ensuring that your money is not only safe but also working for you. While members can visit us at the branch for all their banking needs, official correspondence should be sent to our mailing address: PO BOX 1248, MASON CITY, IA 50402-1248. Our friendly staff is here to assist you Monday through Friday from 9 AM to 6 PM and Saturday from 8:30 AM to 12:30 PM. Under the leadership of CEO Scott Shipman and Board President Mark Brosz, we strive to create a welcoming environment where everyone feels valued. With a team of 29 employees, we're always ready to assist with any questions or concerns you may have. Join us on this journey towards financial well-being. Call us today at 641-424-2281 or visit our website at niccu.com for more information about how we can support your financial journey!

Branch History & Mission

Join Us Today!

We invite you to experience the difference at North Iowa Community. With a team dedicated to your success and a wide array of financial solutions tailored just for you, becoming a member means being part of something special. Contact us at 641-424-2281 or visit our website today to learn more about how we can serve you better!

Modern Services for Today’s Members

As technology advances, so do we. Our branch embraces digital tools that make banking easier than ever. Members can enjoy online and mobile banking options, e-statements, and person-to-person payment services all designed with your convenience in mind. We also prioritize accessibility; our facilities comply with ADA standards ensuring all members can comfortably access our services. Whether you prefer visiting us during lobby hours from Monday through Friday or utilizing our drive-thru service, we are here for you. While members can visit us at 640 S Federal Ave, official correspondence should be sent to PO BOX 1248, MASON CITY, IA 50402-1248.

Our Mission

At the heart of North Iowa Community is our mission: to enhance the financial well-being of our members while fostering a strong sense of community. We believe that financial services should be accessible and straightforward. That's why we offer a range of products designed to help individuals achieve their goals whether it's buying a car or managing debt. In addition to traditional banking services, we are deeply committed to community outreach. We regularly engage in partnerships with local organizations to give back and improve lives in Mason City. This dedication extends beyond banking; it is about building lasting relationships.

Our Story

From the very start, North Iowa Community was founded on the principles of cooperation and mutual support. We have navigated numerous milestones over the decades, expanding our services to meet the evolving needs of our members. With total assets now reaching an impressive $118,638,756, we continue to provide personal banking solutions such as checking and savings accounts, auto loans, mortgage options, and business banking services. Our branch is not just a place for transactions; it's a hub for connection and support within Mason City. Located near prominent landmarks and surrounded by friendly neighborhoods, we strive to create an inviting atmosphere where everyone feels welcome.

Branch Location & Accessibility

Convenient Services and Features

At North Iowa Community, we understand that your time is valuable. That's why our operating hours are designed to fit your busy schedule. We are open Monday through Friday from 9 AM to 6 PM, with extended drive-thru hours starting at 8 AM. On Saturdays, you can visit us from 8:30 AM until 12:30 PM. If you prefer to use an ATM, we have one available for your convenience right at our branch. Accessibility is important to us. Our location is equipped with ADA-compliant features, ensuring that everyone can easily access our services. There's ample parking available for both members and visitors.

Reach Out Anytime

If you have any questions or need assistance, don't hesitate to give us a call at 641-424-2281. While members can visit us at our physical address for all their banking needs, please note that official correspondence should be sent to our mailing address: PO BOX 1248, Mason City, IA 50402-1248. We invite you to come by North Iowa Community! Experience our personal banking services including checking and savings accounts, auto loans, and mortgage options all tailored just for you. We look forward to serving you soon!

Member Eligibility

At North Iowa Community, we believe that everyone deserves a chance to be part of a caring community, and becoming a member is the first step toward accessing great financial services tailored just for you. If you're living, working, or attending school in our area, you're likely eligible to join us! We welcome individuals who share our values and commitment to financial well-being. For the most current eligibility details, feel free to check out this resource: . Once you've confirmed your eligibility, opening an account with us is straightforward and welcoming. You can start your membership journey easily by visiting us online at https://niccu.com/apply-now/ . Our friendly team is always here to help if you have questions or need assistance just give us a call at (641) 424-2281. Join us today at 640 S Federal Ave Mason City Ia 50401 and experience the benefits of being part of the North Iowa Community family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $29 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $1,743,430, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Imagine having the ability to accept payments easily and efficiently. Our merchant services offer just that. From payment processing solutions to mobile payment options, we help you enhance customer satisfaction and streamline operations. It's about making transactions smoother so you can focus on what truly matters growing your business. Visit us at 640 S Federal Ave Mason City Ia 50401 in Mason City, IA, or give us a call at (641) 424-2281 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For local businesses, we offer tailored Business Banking solutions including Merchant Services & Business Loans. We aim to empower entrepreneurs by providing the financial tools necessary for growth and success.

Credit Card Options

Looking for rewards while you spend? Our Credit Cards with Rewards program allows you to earn points on everyday purchases that can be redeemed for exciting rewards. It's our way of saying thank you for being part of our community.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. With secure access to your finances at your fingertips, you can easily check balances, transfer funds, and pay bills all from your smartphone or computer. Additionally, our ATM & Cash Withdrawal Services ensure that you have easy access to your money whenever you need it. You'll find ATMs conveniently located throughout Mason City for quick cash withdrawals and balance checks.

In-Person Banking Experience

While digital services are essential, we also value face-to-face interactions. Our friendly staff at North Iowa Community provides basic drive-thru banking for deposits, withdrawals, and simple transactions. Feel free to visit us at our branch located at 640 S Federal Ave Mason City Ia 50401, where we are eager to assist you during our lobby hours from Monday to Friday 9 AM - 6 PM and Saturday 8:30 AM - 12:30 PM. At North Iowa Community, we're committed to making your banking experience as pleasant as possible. Whether you're managing personal finances or running a business, we're here for all your financial needs. Ready to take the next step? Call us at (641) 424-2281 or visit us online at Main Office to learn more about how we can help you achieve your financial goals!

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking services are designed with you in mind. If you're planning a new adventure or need reliable transportation, consider our Auto Loans & Vehicle Financing options. We offer competitive rates to help you drive away in the car of your dreams without breaking the bank. If you're thinking about buying a home, our Mortgage Loans & Refinancing services can guide you through the process with ease. We're here to support you every step of the way, from pre-approval to closing. For those unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation can provide the relief and flexibility you need.

Digital & Online Banking

Accessibility Made Easy

No need to worry about long lines or limited hours; our online banking services mean that you can take care of everything from the comfort of your home or while out and about. Enjoy the freedom to bank when it suits you best! With North Iowa Community, managing your money is straightforward and secure. Join us today to experience the ease of digital banking!

Key Features

Imagine checking your account balance, paying bills, or transferring money without having to visit a branch. Our 24/7 online banking services make this a reality. You can view your transactions in real-time, ensuring that you're always in control of your finances. Plus, with e-statements available, you can go green by opting for electronic versions of your monthly statements instead of paper ones. Need to send money to a friend? With our person-to-person transfer feature, it's as simple as a few taps on your phone or clicks on your computer. This service ensures that money moves quickly and safely between accounts.

Security and User-Friendliness

We prioritize your security with electronic signature authorization, giving you peace of mind when signing documents online. Our mobile application further enhances the experience by putting the power of banking right at your fingertips. Whether you're making mobile payments or checking your balance while on the go, it's all just an app away.

Financial Strength

Growing Trust

Total Share and Deposit Accounts: 20,393, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, North Iowa Community is your trusted partner. Visit us at 640 S Federal Ave Mason City Ia 50401 or call (641) 424-2281 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $43,266,240 in share certificates and $18,998,703 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 commitment to operational efficiency is reflected in our $1,065,093, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 27 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

With $3,033,319 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $3,193 in used auto loans and $105,058,611 in total loans and leases.

Solid Financial Health

With a net worth of $10,089,646, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $850 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $52,684,903 in used vehicle loans and $16,629,530 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we have options that can meet your needs.

Business Loans

For business owners, our outstanding commercial loans totaling $1,743,430 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to strengthen an existing one, our team is here to support you through every step of the process.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,419,821, make buying or refinancing simple. We work closely with our members to ensure they understand all aspects of the mortgage process and find a plan that fits their budget.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we encourage you to reach out for more information about eligibility options. Refinancing could potentially save you money on interest and reduce your monthly payments. At North Iowa Community, we're dedicated to helping you navigate your financial journey with confidence. If you're interested in learning more about any of our loan offerings or would like assistance applying for a loan, please contact us at 641-424-2281 or visit us at 640 S Federal Ave Mason City IA 50401. 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 take the next step toward achieving your financial aspirations!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $784,657 in loans helping members manage their finances effectively. These cards provide an easy way to handle unexpected expenses while earning rewards for everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 guarantees that you receive fair and transparent offers. Each listed loan option is vetted to confirm that it comes from legitimate financial institutions, allowing you to trust the information provided.

NORTH IOWA COMMUNITY CREDIT UNION