North Shore Credit Union Lutsen MN | Best Auto Loans & Business Banking

Introduction

Welcome to North Shore, your trusted financial partner located at 5335 W Highway 61, Lutsen, MN 55612. Since our establishment in 1967, we have been dedicated to serving our community with integrity and care. With a strong membership base of 12,960 individuals, we pride ourselves on being more than just a credit union; we are a family that supports each other's financial journeys. At North Shore, we understand the importance of your hard-earned money. That's why our assets have grown to an impressive $279,189,465, ensuring that we can provide you with competitive rates and services tailored to your needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our comprehensive services are designed to help you achieve your financial goals. Our commitment to excellence is reflected in our leadership team. Under the guidance of CEO Cassie Ernest and Board President James Lukken, we strive to create a welcoming environment where members feel valued and supported. We also maintain a dedicated team of 64 employees who are here to assist you with any questions or concerns. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 5335 W Highway 61, Lutsen, MN 55612-9542. You can reach us easily at 218-663-7665, where our friendly staff is ready to help you from 8:00 AM to 5:00 PM, Monday through Friday. Join us at North Shore, where your financial well-being is our priority. Visit us today or check out our website at northshorefcu.org for more information on how we can serve you better. Let's work together to secure your financial future!

Branch History & Mission

Commitment to Innovation

As part of our commitment to serve you better, we've embraced digital advancements that enhance your banking experience. Our online banking platform makes it easy for you to manage your finances anytime, anywhere. Additionally, we ensure ADA compliance so that all members can access our services comfortably. With features like mobile payments and e-statements, we aim to provide convenient options that fit into your busy lifestyle. We also recognize the importance of accessibility. That's why we offer ATM services and drive-thru banking at our location. Our operating hours are designed to accommodate your schedule: Monday through Friday from 8:00 am to 5:00 pm for lobby access and extended drive-thru hours from 8:30 am until 1:00 pm and again from 2:00 pm until 4:30 pm. Join us at North Shore! Experience firsthand how we prioritize your needs while contributing positively to the community around us. Together, let's build a brighter financial future. Visit us today or reach out at 218-663-7665 for more information about becoming a member!

Our Mission

At North Shore, our mission is clear: to empower our members through comprehensive financial solutions while fostering a spirit of community and collaboration. We understand that every member's needs are unique, which is why we offer a wide range of services from personal banking options like checking and savings accounts to auto loans and mortgages. We also provide business banking solutions tailored for local entrepreneurs looking to grow their ventures. We believe in giving back to our community. Our partnerships with local organizations allow us to support various initiatives aimed at improving the quality of life for everyone in Lutsen and beyond. Whether it's sponsoring local events or providing financial education programs, we strive to make a positive impact on those we serve.

Branch Location & Accessibility

Convenient Access and Amenities

At North Shore, we prioritize accessibility. Our branch is equipped with features that make banking easy for everyone, including ADA-compliant entrances and ample parking. If you're driving by, take advantage of our drive-thru service for quick transactions without leaving your car. Plus, with an ATM available on-site, you can easily withdraw cash or check your balance at any time. While our physical address is the go-to spot for in-person visits, please remember that official correspondence should be directed to our mailing address at 5335 W Highway 61, Lutsen, MN 55612-9542.

Friendly Service Hours

We understand that life can get busy, which is why we've tailored our operating hours to fit your schedule. You can visit us Monday through Friday from 8:00 AM to 5:00 PM. The drive-thru remains open until 4:30 PM for those who prefer the convenience of banking from their vehicle.

Why Choose North Shore?

Our dedicated team is ready to assist you with a variety of services, including personal banking options like checking and savings accounts, auto loans, mortgages, and even credit cards with rewards! We aim to provide a supportive environment where you can feel confident about your financial choices. Ready to experience the North Shore difference? Feel free to give us a call at 218-663-7665 or come by our branch today. We look forward to welcoming you!

Member Eligibility

Becoming a member of North Shore is like joining a warm, welcoming family that truly cares about your financial well-being. To qualify for membership, you simply need to live, work, worship, or attend school in the areas we serve. This means if you're part of our community here in Lutsen, you'll fit right in! Joining us not only gives you access to a range of personalized financial services but also connects you with people who are dedicated to helping you achieve your financial goals. If you'd like to learn more about the specific eligibility requirements, feel free to check out our detailed guide at https://www.northshorefcu.org/about/membership . Opening an account with us is straightforward and hassle-free! You can visit us at our branch located at 5335 W Highway 61 Lutsen Mn 55612, or give us a call at (218) 663-7665 during our operating hours from 8:00 am to 5:00 pm on weekdays. We look forward to welcoming you into our community and supporting your journey toward financial success!

Business Banking & Commercial Services

Financing That Fits Your Needs

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $165 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 $30,344,521, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Simple

In addition to loans, we offer comprehensive merchant services that simplify payment processing. Imagine having the ability to accept payments seamlessly from your customers whether they prefer credit cards, mobile payments, or online transactions. Our merchant services are designed to enhance customer experience while ensuring you have quick access to your funds. Located at 5335 W Highway 61 Lutsen Mn 55612, Lutsen, MN 55612, our team is ready to help you find the right banking solutions for your business needs. For more information or to discuss how we can support your goals, give us a call at (218) 663-7665. Let's grow together!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need quick cash? With our ATM services available at convenient locations, withdrawing cash or checking your balance is just a few taps away. For those who prefer face-to-face interactions for simple transactions like deposits or withdrawals, our drive-thru service is available during regular hours.

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans tailored to support your entrepreneurial ventures. We are here to help local businesses thrive by providing the financial tools needed for growth.

Credit Options

For those unexpected expenses or plans that require extra funding, our personal loans and debt consolidation services can provide the financial boost you need. And if you're looking for a credit card that rewards you for your purchases, our credit cards come with attractive benefits designed to enhance your buying power.

Final Thoughts

At North Shore, we strive to be more than just a financial institution; we want to be a partner in your financial success. With our comprehensive range of services from personal banking options to business solutions our goal is to meet all of your financial needs under one roof. Feel free to reach out to us at (218) 663-7665 for any questions or visit us during our operating hours from 8:00 am - 5:00 pm Monday through Friday. Let us help you take the next step toward achieving your financial goals!

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Lutsen offers robust online and mobile banking features. You can manage your accounts from anywhere at any time. Whether you're making payments, transferring money, or checking balances, our digital banking platform makes it easy and secure.

Personal Banking

We understand that managing your finances is essential for achieving your goals. That's why we offer various personal banking options, including checking and savings accounts that help you manage your day-to-day transactions efficiently. Imagine having the ability to easily access your funds while earning competitive interest rates on your savings. When it comes to auto loans and vehicle financing, we have flexible options that can help you drive away in the car of your dreams without breaking the bank. Our mortgage loans and refinancing solutions also make homeownership more accessible than ever, allowing you to invest in your future with confidence.

Digital & Online Banking

Go Green with E-Statements

Say goodbye to paper clutter! With e-statements available at Yes, you can easily view and download your account statements whenever you need them. This not only helps the environment but also keeps your financial records organized and accessible.

Key Features of Our Online Banking Services

With just a few clicks, you can dive into our online banking portal at https://www.northshorefcu.org/ . This secure environment allows you to check balances, pay bills, and transfer money between accounts without any hassle. Plus, if you're looking for an even more streamlined experience, our mobile application is available, putting your banking needs right in your pocket.

Secure and Convenient Transactions

We prioritize your security while ensuring convenience. Our electronic signature authorization feature means you can sign documents securely from anywhere, reducing the need for physical visits. And if you're someone who loves the ease of mobile payments, you'll be happy to know that our mobile payments feature makes it simple to pay for purchases directly from your phone. At North Shore, we're dedicated to providing a safe and effective digital banking experience that keeps up with your busy life. Join us today and discover how easy managing your finances can be!

Stay Connected with 24/7 Access

Our commitment to accessibility means you can manage your finances whenever it suits you. Enjoy 24/7 online banking services that let you take control of your money day or night. Need to send money to a friend? Use our person-to-person transfer feature for quick and easy transactions.

Financial Strength

Commitment to Growth and Innovation

With $32,041,761 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 members' financial goals across various sectors with $2,482 in used auto loans and $192,325,634 in total loans and leases.

Growing Membership Trust

Total Share Accounts stand at 41,541, showing a strong and growing member base that trusts us with their finances. Our Net Shares (Funds available for lending and investments) amount to $1,171,759, which further underscores our commitment to your financial wellness. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, North Shore is your trusted partner. Visit us at 5335 W Highway 61 Lutsen Mn 55612 or call (218) 663-7665 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $60,953,345 in share certificates and $40,545,456 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 $1,305,544 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 58 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundations

With a net worth of $33,347,305, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,194 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. We have already issued over $38,034,955 in used vehicle loans and $14,791,674 in new vehicle loans, helping members get on the road with confidence. Whether you are considering a brand-new model or a reliable used option, our financing solutions make it easy for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $10,673,933, making buying or refinancing simple. We can guide you through the process and help you understand eligibility options that may be available.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $1,347,241 in loans helping members manage their finances effectively, our credit cards come with rewards that can benefit you daily. For business owners seeking growth opportunities, our outstanding commercial loans totaling $30,344,521 provide the capital needed to expand your ventures. At North Shore located at 5335 W Highway 61 Lutsen MN 55612, we're here to support your financial journey. For more information about our loan offerings or to discuss refinancing options and eligibility criteria, feel free to reach out to us at 218-663-7665. 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 look forward to helping you find the right loan product that suits your needs!

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NORTH SHORE FEDERAL CREDIT UNION - Lutsen, MN