North Star Community Credit Union Bottineau ND | Affordable Auto Loans & ATM Services

Introduction

Welcome to North Star Community, your trusted partner in financial growth and stability, located at 612 Main St, Bottineau, ND 58318. Since our establishment in 1940, we have proudly served our community with a commitment to providing exceptional banking services tailored to your needs. With a total membership of over 22,000, we are dedicated to empowering individuals and businesses alike to achieve their financial goals. At North Star Community, we understand that every member is unique. That's why we offer a range of services including personal banking, auto loans, mortgage financing, and business loans. Our total assets of $463,648,895 reflect our strong foundation and ability to support you in all your financial endeavors. Our robust lending portfolio includes over 16,428 loans and leases designed to meet the diverse needs of our members. Our leadership team, led by CEO Bob Herrington and Board President Michael Black, is passionate about fostering a community-focused environment where members can thrive. We pride ourselves on maintaining a net worth of $58,371,272, ensuring that we remain financially sound while offering competitive rates on deposits totaling $9,685,767. While members can visit us at our branch for all their banking needs, official correspondence should be directed to our mailing address: PO Box 198, Bottineau, ND 58318. We invite you to explore how North Star Community can help you navigate your financial journey. Whether you're looking for assistance with everyday banking or planning for the future with investments and loans, we're here for you. Feel free to reach out at 701-228-5858 or visit us online at northstarccu.com for more information. Join us today and discover the difference a dedicated credit union can make in your life!

Branch History & Mission

Our Mission

At North Star Community, our mission is clear: we strive to empower our members through exceptional financial services while fostering a sense of community. We believe that when individuals thrive financially, the entire community benefits. This guiding principle drives us to offer a wide range of products including checking and savings accounts, auto loans, mortgage options, and business banking solutions. Our commitment extends beyond just banking; we actively participate in local events and support initiatives that uplift our neighbors and enhance the quality of life in Bottineau. We understand that real impact happens when we work together as a community. In addition to traditional services, we've embraced digital advancements. Members can enjoy online and mobile banking options for ease and convenience. Whether it's accessing your account from home or making payments on the go, we ensure that you have the tools necessary for modern banking. While members can visit us at 612 Main St, official correspondence should be sent to PO Box 198, Bottineau, ND 58318 if needed. We are proud of our heritage and excited about our future. As we continue to grow and adapt to the changing needs of our members, we invite you to become part of the North Star Community family. Join us today and experience firsthand how we can help you achieve your financial goals while making a positive difference in Bottineau. For any inquiries or assistance, feel free to reach us at 701-228-5858. Together, let's shine bright!

Branch Location & Accessibility

Call-to-Action

Feel free to reach out at 701-228-5858 if you have any questions or would like more information about our services. We invite you to stop by North Star Community today your financial journey starts here!

Nearby Landmarks and Accessibility

As you make your way to our branch, you'll find us nestled in the heart of Bottineau County, close to the bustling downtown area. We pride ourselves on being easily reachable with ample parking available right outside. For our members who may require additional assistance, we are ADA compliant and equipped with ramps to ensure everyone can access our services comfortably.

Operating Hours and Services

We understand that life can be busy! That's why we're here for you Monday through Friday from 9:00 AM to 4:30 PM in the lobby, and our drive-thru is open from 8:00 AM to 5:00 PM on weekdays and from 9:00 AM to noon on Saturdays. Whether you're looking to open a checking account, apply for an auto loan, or simply need help with online banking, our dedicated staff is ready to assist you.

Member Eligibility

At North Star Community, we believe that everyone deserves a chance to be part of a caring community that supports their financial goals. Becoming a member is simple and welcoming! If you live, work, or attend school in the area, you're likely already eligible. We're proud to serve individuals and families, ensuring that our services are accessible to those who need them most. For full details on eligibility criteria, check out our resource at http://www.northstarccu.com/save/open-an-account. Joining us means gaining access to a wide range of benefits designed just for you like personalized service and competitive rates on loans and savings accounts. When you're ready to open an account, it's easy! You can get started online by visiting http://www.northstarccu.com/borrow/apply-online or give us a call at (701) 228-5858 if you have any questions. We're here for you at our branch located at 612 Main St Bottineau Nd 58318. Join us today and discover the advantages of being part of the North Star Community family!

Business Banking & Commercial Services

Business Loan Options

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

Imagine running your operations smoothly with our merchant services, which allow you to accept payments easily and efficiently. From credit card processing to online payment solutions, our services help you focus on what matters most growing your business. Located at 612 Main St Bottineau Nd 58318, we invite you to visit us or give us a call at (701) 228-5858. Let's work together to take your business to the next level!

Comprehensive List Of Services

Convenient Access Anytime

With our commitment to convenience, accessing your accounts has never been easier. Our ATM and cash withdrawal services ensure that you can get cash when you need it most. If you'd rather handle transactions face-to-face, our drive-thru banking provides quick service for deposits, withdrawals, and simple transactions without leaving your car.

Financing Your Dreams

When it comes to financing, we've got you covered! Looking for a new car? Our auto loans and vehicle financing options make it easy for you to drive off in that dream vehicle without breaking the bank. We also provide mortgage loans and refinancing solutions so you can secure the home of your dreams or lower your monthly payments on your existing mortgage. Plus, if you're dealing with debt, our personal loans and debt consolidation services can help streamline your payments and give you peace of mind.

Join Us Today!

At North Star Community in Bottineau, ND, we believe that financial success starts with understanding what we offer. From personal banking options to business services, we strive to create a welcoming environment where everyone feels valued. Ready to explore how we can assist you? Visit us today or learn more about opening an account here. Let us guide you toward achieving all your financial goals!

Personal Banking Made Easy

Managing your finances should be straightforward and stress-free. That's why we offer various checking and savings accounts tailored to fit different lifestyles and goals. Whether you're saving for a rainy day or planning a big purchase, our accounts come with competitive rates and easy access through online and mobile banking. Imagine checking your balance or transferring funds right from your phone while waiting in line at the grocery store!

Rewards that Benefit You

We understand the importance of rewarding loyalty, which is why we offer credit cards with rewards. Enjoy cashback on purchases while building your credit history! It's an excellent way to earn perks just by spending on things you already buy.

Support for Local Businesses

For business owners, our business banking services provide essential tools like merchant services and business loans. We know how vital it is for local businesses to thrive, so we're here to support your entrepreneurial ambitions every step of the way.

Digital & Online Banking

Key Features

With our 24/7 Online Banking Services, you can check balances, transfer funds, and pay bills anytime, anywhere. Our user-friendly mobile application enhances this experience, allowing you to handle your banking tasks right from your smartphone. If you need to send money quickly, our Person-to-Person Transfers feature makes it simple to send cash to friends or family in just a few taps. We also prioritize security in all transactions. You can confidently sign documents with our Electronic Signature Authorization, eliminating the hassle of printing and mailing paperwork. Plus, by opting for E-Statements, you'll receive your account statements electronically, keeping your information secure while reducing paper clutter. For those who prefer using their mobile devices for payments, our Mobile Payments Feature allows for quick transactions without the need for cash or cards. This modern approach to banking ensures that you're always equipped to manage your finances efficiently. In a world where time is precious, North Star Community is committed to providing you with the tools necessary for real-time account management. Experience the ease of banking on your terms visit us online today!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts stand at 46,060, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments at $14,248,816, we have the resources necessary to support your financial journey. In summary, 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 612 Main St Bottineau ND 58318 or call 701-228-5858 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Member-Centric Savings Options

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 net income of $2,614,797 reflects our operational efficiency. This allows 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 and committed team.

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 capacity to lend is robust; we currently have $5,494 in used auto loans and an impressive total of $353,561,589 in loans and leases, supporting our members' financial goals across various sectors.

Solid Financial Foundation

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 12.59% 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 $92,508,142 in used vehicle loans and $21,536,740 in new vehicle loans already helping members get on the road. We cater to both new and used vehicles and ensure a straightforward application process. Plus, if you're considering refinancing your current auto loan for better rates or terms, we can help with that too.

Business Financing

For business owners seeking capital for growth and expansion, our outstanding commercial loans total $134,914,784. We understand that businesses need support during various stages of growth and strive to provide tailored solutions. Our loan products come with competitive rates and friendly service designed to meet your financial needs. If you're interested in exploring eligibility options or refinancing possibilities for any of our loan types, don't hesitate to reach out. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're ready to apply now or just want more information about our services which include personal banking options like checking and savings accounts visit us online at North Star Community. We look forward to assisting you on your financial journey!

Credit Lines and Unsecured Loans

For those looking for additional financial flexibility, we offer credit lines totaling $85,509,188. Additionally, we also provide unsecured credit card loans with a total of $6,866,187 available to help members manage their finances effectively without needing collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $2,296,232. This means whether you're a first-time buyer or looking to refinance an existing mortgage, we have flexible solutions to fit your needs.

Loan Aggregator

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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 approach guarantees that users receive fair and transparent offers without hidden terms or conditions.