North Shore Credit Union Two Harbors MN | Affordable Vehicle Loans & Business Banking

Introduction

At North Shore, we believe in building strong financial futures for our community. Nestled in the heart of Two Harbors, MN, at 404 7Th Ave, our branch has been serving members since 1967. With a dedicated team of 64 employees, we proudly support over 12,960 members by providing personalized financial services tailored to their needs. Our commitment to our members is reflected in our impressive financial standing. Currently, we hold total assets of $279,189,465 and total deposits amounting to $63,029,266. This solid foundation allows us to offer a wide range of products, including auto loans, mortgages, and business banking services. Under the leadership of CEO Cassie Ernest and Board President James Lukken, North Shore is more than just a credit union; we are a trusted partner in your financial journey. We understand that each member has unique goals and challenges, which is why we strive to provide exceptional service and support. While you can visit us at our branch location for all your banking needs, official correspondence should be sent to our mailing address: 404 7th Avenue, Two Harbors, MN 55616. Whether you're looking to open an account or need assistance with a loan application, our team is here for you. Feel free to reach out at 218-834-3836 or explore our website at northshorefcu.org for more information on how we can help you achieve your financial goals. We look forward to welcoming you into the North Shore family!

Branch History & Mission

Community Commitment

North Shore is not just a credit union; we're part of the fabric of Two Harbors and its surrounding areas. We engage in numerous outreach initiatives designed to give back and uplift those around us. From financial literacy programs to partnerships with local organizations, we are committed to fostering a thriving community where everyone can succeed. While you can visit us at 404 7th Ave for all your banking needs, please note that official correspondence should be sent to our mailing address: 404 7th Avenue, Two Harbors, MN 55616. In conclusion, we invite you to join North Shore and experience the difference of being part of a member-focused credit union dedicated to your financial well-being. Together, let's build a brighter future for you and our community! For more information or assistance, feel free to contact us at (218) 834-3836 or visit our website at North Shore.

Our Mission

Our mission is simple yet profound: We strive to provide exceptional financial services while actively supporting our community. At North Shore, we believe that banking should be about more than just transactions; it's about fostering connections and making a positive impact. Whether it's through personal banking services like checking and savings accounts or loans for vehicles and homes, we aim to empower our members financially. We also understand the importance of accessibility. That's why we offer various services including online and mobile banking options to make managing finances easier than ever. Members can access their accounts anytime and anywhere with our advanced digital solutions. Plus, with ATM availability right at our branch and drive-thru banking services for added convenience, we make sure you have access when you need it most.

Branch Location & Accessibility

Convenient Access and Features

Our branch offers ample parking for your convenience, making it easy to pop in whether you're stopping by during your lunch break or running errands. We are committed to accessibility, featuring ADA-compliant entrances and ramps to ensure everyone can access our services without any hassle. At North Shore Credit Union, we understand how busy life can be. That's why we offer extended operating hours from 8:00 AM to 5:00 PM with our drive-thru open from 8:30 AM to 4:30 PM, Monday through Friday. This flexibility allows you to choose a time that works best for you!

Get in Touch

If you have any questions or need assistance, don't hesitate to call us at (218) 834-3836. We're here to support you every step of the way. Come visit North Shore Credit Union today and discover how we can help you achieve your financial goals!

Services Tailored for You

We are proud to provide a range of services designed with our members in mind. Whether you need assistance with personal banking, auto loans, or mortgage refinancing, our friendly staff is here to help. Plus, enjoy the ease of using our ATM facilities and basic drive-thru banking options for quick deposits and withdrawals. While members can visit us at 404 7Th Ave for all their banking needs, official correspondence should be sent to the same address: 404 7th Avenue, Two Harbors, MN 55616.

Member Eligibility

At North Shore, we believe in creating a warm and welcoming community where everyone can thrive. Joining us as a member is simple and accessible! If you live, work, or worship in our area, or even if you have family ties to our community, you're likely eligible to become a member. We proudly serve those who are part of our vibrant neighborhood, and we invite you to experience the benefits of membership that include personalized financial services and community-focused support. Becoming a member is just a phone call away! You can reach us at (218) 834-3836 for any questions or assistance. For more detailed information about eligibility criteria, feel free to check out our website at https://www.northshorefcu.org/about/membership . We're excited to welcome you to North Shore, located at 404 7Th Ave Two Harbors Mn 55616, where your financial journey can flourish with us!

Business Banking & Commercial Services

Lending Solutions for Every Business

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 That Make Sense

In addition to our loan options, we provide merchant services that help you streamline payment processing. Imagine being able to accept payments from customers effortlessly whether they pay with a card or mobile app. This convenience not only enhances customer satisfaction but also helps improve cash flow for your business. Whether you're looking to expand operations or enhance your payment systems, North Shore at 404 7Th Ave Two Harbors Mn 55616 in Two Harbors, MN is here to help. Reach out today at (218) 834-3836 to explore how our business banking services can propel your venture forward!

Comprehensive List Of Services

Business Solutions

For local business owners, our Business Banking services include essential offerings like Merchant Services & Business Loans. We understand that every business is unique, and we work hard to provide solutions that help your enterprise thrive in today's competitive environment.

Digital Banking Convenience

In today's fast-paced world, accessibility is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. From checking balances to transferring funds or paying bills, everything is at your fingertips. Our ATM & Cash Withdrawal Services are available around the clock, so cash is never far away.

Easy Transactions

For those quick visits, take advantage of our Basic Drive-Thru Banking, where you can handle deposits and withdrawals with ease. If you're on-the-go and need immediate access to cash or want to check your balance, our Basic ATM Access makes it simple and convenient. At North Shore, we believe that banking should be straightforward and accessible for everyone in our community. Visit us at 404 7Th Ave Two Harbors Mn 55616, give us a call at (218) 834-3836, or explore more about what we offer by visiting our website at Two Harbors. We're here to support you in every step of your financial journey!

Home Financing

If purchasing a home is on your horizon, look no further than our Mortgage Loans & Refinancing services. With options that cater to first-time buyers and seasoned homeowners alike, we help guide you through the process, making it as smooth as possible.

Loans for Every Need

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come into play. Whether you're looking to cover medical bills or consolidate existing debts into one easy payment, we've got you covered. Plus, our Credit Cards with Rewards provide an added incentive for everyday purchases, allowing you to earn while you spend.

Personal Banking

Whether you're looking to open a new checking account or start saving for the future, our personal banking services are designed with you in mind. We offer various Checking & Savings Accounts that fit different lifestyles and financial goals. Need a car? Our Auto Loans & Vehicle Financing options make it easy to hit the road in your dream vehicle, while competitive rates ensure you can budget comfortably.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and packed with features that make financial management easier than ever. You can view your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with our mobile application, you have all these capabilities right in your pocket. Need to send money to a friend? Our person-to-person transfers make it simple and quick. You can also enjoy the benefits of electronic signatures for added convenience when signing documents, making transactions smoother without any extra hassle.

Security and Accessibility

Your security is our top priority. Our digital banking services incorporate advanced safety measures to protect your information, giving you peace of mind as you manage your accounts online. Additionally, we offer e-statements for those who prefer paperless banking keeping everything organized and accessible at any time. With mobile payments now available, paying for purchases is faster than ever. Just tap your phone at the register, and you're done! Whether you're out shopping or relaxing at home, managing your money has never been this easy. At North Shore, we're committed to providing you with the tools you need for real-time account management while ensuring a secure experience every step of the way. Explore our digital banking options today and discover how we can simplify your financial journey!

Financial Strength

Focused on Member Benefits

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. This commitment allows us to invest more back into our community and member services.

Member Trust

Total Share and Deposit Accounts: 41,541, showing a strong and growing member base that trusts us with their finances. This trust reinforces our commitment to providing excellent service tailored to your needs. 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 404 7Th Ave Two Harbors Mn 55616 or call (218) 834-3836 to learn more about how we can help you achieve your financial goals.

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. We also 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.

Reinvesting for Better Services

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 is impressive too; with $2,482 in used auto loans and $192,325,634 in total loans and leases, we're here to support your financial goals across various sectors.

Secure Savings for Members

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. This means your hard-earned money is not only safe but also working for you.

Strong Financial Health

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, with over $38,034,955 in used vehicle loans and $14,791,674 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make car ownership accessible for everyone.

Business Loans

For business owners, our outstanding commercial loans totaling $30,344,521 provide the capital needed to grow and expand your business. Whether you're starting a new venture or looking to enhance your existing operations, we're here to help with tailored financing solutions. Our commitment to supporting our community means we also provide refinancing options and assess eligibility through our straightforward processes. For more information on how you can take advantage of these opportunities or if you're curious about our eligibility criteria for membership and services, please visit our website. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At North Shore, we're dedicated to helping you achieve your financial dreams with products that suit your lifestyle and budget. Come visit us today!

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. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our experienced team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. 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. These credit cards come with rewards and no hidden fees, making them an excellent option for everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the options presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect the best available options for consumers. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to make informed decisions tailored to their financial situations. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial underscores the effectiveness of the platform in helping individuals secure better financing terms. 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.

Ensuring 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 ensures fair and transparent offers for users seeking loans. By relying on verified sources, LendMesh guarantees that users receive accurate information that reflects current market conditions.

NORTH SHORE FEDERAL CREDIT UNION - Two Harbors, MN