North Star Community Credit Union Velva ND | Quick Personal Loans & ATM Services

Introduction

Welcome to North Star Community, your trusted financial partner located at 111 Main St N, Velva, ND 58790. Since our establishment in 1940, we have proudly served our members with dedication and care, growing into a community-focused credit union that now supports over 22,241 members. With total assets of $463,648,895 and total deposits reaching $9,685,767, we are committed to helping you achieve your financial goals. At North Star Community, we understand that banking is about building relationships. Our experienced team, led by CEO Bob Herrington and Board President Michael Black, is here to guide you through a range of services tailored for individuals and businesses alike. Whether you're looking for personal banking options such as checking and savings accounts or seeking financing solutions like auto loans and mortgages, we have the resources you need to succeed. While members can visit us at our Velva branch for face-to-face assistance, any official correspondence should be sent to our mailing address: PO Box 59, Velva, ND 58790-0059. We pride ourselves on transparency; our net worth stands strong at $58,371,272, reflecting our commitment to responsible management of your funds. Join us in making a positive impact in our community! With a dedicated workforce of 106 employees, we strive to provide excellent service while investing back into local initiatives that matter most. We invite you to explore the benefits of membership with us today. Ready to take the next step? Visit us in person or give us a call at 701-338-2029. You can also check out our website at northstarccu.com for more information on how we can help you reach your financial aspirations. Your journey towards a brighter financial future begins here!

Branch History & Mission

Our Evolution

Located at 111 Main St N, our branch is easily accessible for anyone in the area. Over the years, we have grown not just in size but also in the range of services we offer. From our humble beginnings to becoming a trusted financial partner, we've adapted to meet the changing needs of our members while remaining true to our core values of community support and member service. Our branch has seen significant milestones, including advancements in technology that enhance banking convenience, like online banking and mobile payments. We ensure our services are accessible to everyone by adhering to ADA compliance standards. The introduction of features like ATM availability and drive-thru banking has made it easier for our members to manage their finances on their terms.

Our Mission

At North Star Community, our mission goes beyond just providing financial services; it's about fostering growth within our community. We aim to empower our members by offering personalized banking solutions tailored to their unique needs. Whether it's helping families secure auto loans or supporting local businesses with financing options, we're dedicated to being a part of your financial journey. We believe in giving back and actively participate in community outreach efforts. By partnering with local organizations and sponsoring events, we strive to create a positive impact right here in Velva. While you can visit us at 111 Main St N for all your banking needs, official correspondence should be directed to PO Box 59, Velva, ND 58790-0059 if that's more convenient for you. Our operating hours are designed to accommodate busy schedules: Lobby hours run from 9 AM to 4:30 PM on weekdays, while Drive-Thru service is available from 8 AM to 5 PM on weekdays and from 9 AM to noon on Saturdays. As we continue this journey together, we invite you to become part of the North Star Community family. Experience firsthand the benefits of membership and join us as we build a brighter future together. For more information or to open an account today, give us a call at 701-338-2029 or visit us online at North Star Community.

Branch Location & Accessibility

Call Us or Visit Us Today!

If you have any questions or need assistance before visiting, don't hesitate to give us a call at 701-338-2029. While members can visit us at our branch location in Velva, official correspondence should be sent to PO Box 59, Velva, ND 58790-0059 if needed. We invite you to stop by North Star Community soon; our team is eager to assist you with all your banking needs!

Convenient Access and Features

At North Star Community, we prioritize accessibility. Our branch features ADA-compliant entryways and ramps to ensure everyone can visit us with ease. There's ample parking available right outside the entrance, so you won't have to worry about finding a spot when you arrive. For those on the go, we offer drive-thru banking services from 8 AM to 5 PM on weekdays and until noon on Saturdays perfect for quick deposits or withdrawals without leaving your car.

Operating Hours

Our lobby hours are designed with your convenience in mind: we're open Monday through Friday from 9 AM to 4:30 PM, making it easy for you to come in during the day. If you need assistance outside of these hours, feel free to use our ATM service anytime 24/7 access ensures that you can manage your finances whenever it suits you.

Member Eligibility

At North Star Community, we believe that everyone deserves a supportive financial community. Joining us as a member is simple and welcoming! If you live, work, or worship in our local area, you're likely eligible to become part of our family. We pride ourselves on being inclusive and accessible to all members of the community, ensuring that you receive the personalized service you deserve. To learn more about the specific eligibility criteria, feel free to check out this link for the most up-to-date information. Once you're ready to take the next step, opening an account at North Star Community is just as easy! You can start your journey with us by visiting this page or by giving us a call at (701) 338-2029. We're located at 111 Main St N Velva Nd 58790, and our friendly team is here to help guide you through every step of the process. Join us today and experience the many advantages of being a member at North Star Community!

Business Banking & Commercial Services

Financing Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,170 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $14 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $134,914,784, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

In addition to our loan offerings, we provide comprehensive merchant services designed to simplify transactions for your business. Picture a smooth payment process that keeps your customers happy and your cash flow steady. Our solutions include point-of-sale systems, online payment options, and more ensuring you can focus on what matters most: growing your business. Located at 111 Main St N Velva Nd 58790 in Velva, ND, we are here to assist you with personalized service tailored to meet your specific needs. Reach out today at (701) 338-2029 to learn how we can help take your business further!

Comprehensive List Of Services

ATM and Drive-Thru Services

If you're on the go, our ATM services provide quick access to cash with balance checks available at your fingertips. For those who prefer in-person interactions but want speed as well, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle. At North Star Community, we strive to make every financial experience as convenient as possible for our members. We invite you to visit us today or explore our services online at https://www.northstarccu.com/ . Let us help you achieve your financial goals with confidence!

Business Banking

For entrepreneurs and business owners, North Star Community provides comprehensive business banking services. Our merchant services simplify payment processing, while our business loans help fuel growth and investment in your company.

Credit Cards

With our credit cards, you can enjoy rewards while making everyday purchases. It's a smart way to earn benefits on things you already buy!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your finances anytime, anywhere. You can easily access your accounts, transfer funds, pay bills, and even make person-to-person payments right from your smartphone or computer.

Loans and Financing

Need a new car or looking to buy a home? Our auto loans and vehicle financing options make it easy for you to hit the road without breaking the bank. If you're thinking about purchasing a house, our mortgage loans and refinancing solutions can provide the financial support you need. We also offer personal loans for various purposes, including debt consolidation, so you can manage your expenses with ease.

Personal Banking

We understand that managing your finances can be challenging. That's why we offer personal banking options, including checking and savings accounts, designed to help you save and grow your money effectively. Whether you are looking to open your first account or seeking more flexible options, our friendly staff will guide you through the process.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform provides real-time account management, allowing you to check balances, transfer funds, and pay bills with just a few clicks. Need to send money to a friend? Our person-to-person transfers make it simple and quick. You can also enjoy the freedom of mobile payments, giving you the ability to make purchases directly from your smartphone. For those who prefer staying organized, we offer e-statements that keep you updated without the clutter of paper. Plus, with electronic signature authorization, signing documents is as easy as tapping on your device no need for printing or mailing.

Security and Accessibility

Your security is our priority. Our online banking services are built with advanced security features to ensure that your personal information remains safe while you manage your finances. Whether you're using our mobile application or accessing our website, you can feel confident knowing that we take every precaution to protect your data. With the convenience of our mobile application, banking on-the-go has never been easier. Check account activity or deposit checks right from your phone all designed with user-friendliness in mind. Join us at North Star Community and experience how digital banking can enhance your financial management. Whether you're at home or out and about, we're here to support you every step of the way!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 46,060, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $14,248,816. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, North Star Community is your trusted partner. Visit us at 111 Main St N Velva Nd 58790 or call (701) 338-2029 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $165,902,113 in share certificates and $60,620,756 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $11,728,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $2,614,797 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 100 full-time employees and 6 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 $58,371,272, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,259 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Growth

With $42,830,060 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to your financial success is reflected in our lending capacity; with $5,494 in used auto loans and $353,561,589 in total loans and leases, we support your financial goals across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already issued over $21,536,740 in new vehicle loans and $92,508,142 in used vehicle loans, helping our members get on the road affordably. Whether you're interested in a brand-new model or a reliable used option, we've got you covered.

Business Financing

If you're a business owner seeking growth opportunities, our outstanding commercial loans totaling $134,914,784 can provide the capital needed for expansion and operational needs. We're committed to supporting local businesses and helping them thrive.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. We currently offer Junior Lien 1-4 Family Residential Property loans totaling $2,296,232. If you're looking to purchase your first home or refinance an existing mortgage, our team can guide you through every step of the process.

Refinancing Options

We recognize that circumstances change. That's why we offer refinancing options on many of our loan products. If you're looking for better rates or terms on your existing loans or mortgages, reach out to us for eligibility information. At North Star Community, we prioritize your financial well-being and are dedicated to providing personalized service tailored to your specific needs. For more details about any of our loan products or to discuss eligibility options further, please contact us at 701-338-2029 or visit our website at northstarccu.com. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Unsecured Credit Card Loans

For those needing flexibility in managing their finances, we also provide unsecured credit card loans with a total of $6,866,187 available. These cards come with competitive terms to help you make purchases without breaking the bank.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing 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 guarantees that users receive fair and transparent offers tailored to their needs.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring complete transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The focus is solely on providing unbiased results to help users make informed decisions. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, allowing them to quickly evaluate their options. 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 highlights the effectiveness and reliability of the platform. 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 STAR COMMUNITY CREDIT UNION - Velva, ND