Northern Colorado Credit Union Berthoud CO | Best Auto Loans & Business Banking

Introduction

Welcome to Northern Colorado, your trusted financial partner located at 909 Mountain Ave, Berthoud, CO 80513. Since our establishment in 1935, we have been dedicated to serving our community with integrity and care. With a membership of over 3,292 individuals, we prioritize your financial well-being and strive to provide you with the best services tailored to your needs. At Northern Colorado, we understand that each member's journey is unique. That's why we offer a wide range of financial solutions from personal banking options like checking and savings accounts to specialized services such as auto loans and mortgages. Our total assets stand strong at $80,079,786, ensuring that we are well-equipped to support your financial aspirations. We are proud to have a robust deposit base of $3,385,082 and a committed team of 14 employees, led by our experienced CEO, Meagan Barrett, and Board President, Terry Urista. Together, we aim to foster a welcoming environment where you can achieve your financial goals confidently. While members can visit us at our branch for personalized service, official correspondence should be sent to our mailing address at 909 Mountain Ave, Berthoud, CO 80513. Whether you're looking for guidance on loans totaling 1,965 or seeking ways to maximize your savings with our competitive interest rates, our knowledgeable staff is here for you. Ready to take the next step? Feel free to call us at 970-330-3900 or visit our website at nococu.org for more information. We look forward to helping you thrive financially!

Branch History & Mission

Welcome to Northern Colorado, a cornerstone of financial support and community service in Berthoud, CO. Established in 1935, our branch has proudly served the residents of this vibrant town for nearly 90 years. With a commitment to fostering financial wellness, we have grown alongside our members, providing valuable services tailored to meet their needs. Located at 909 Mountain Ave, our branch is nestled in the heart of Berthoud, making it easily accessible for all. As you visit us, you'll find a friendly team ready to assist you with everything from personal banking to auto loans and beyond. If you need to send official correspondence, please direct it to our mailing address at 909 Mountain Ave, Berthoud, CO 80513. Over the years, Northern Colorado has achieved significant milestones. Today, we proudly serve 3,292 members and manage total assets amounting to $80,079,786. Our growth reflects not only our dedication but also the trust placed in us by the community. We aim to create a welcoming environment where everyone feels valued and supported. At the heart of Northern Colorado's mission is a simple yet powerful statement: we strive to improve the financial lives of our members while uplifting our community. Our services include checking and savings accounts, mortgage loans, personal loans, credit cards with rewards, and business banking options. But we don't stop there; we believe in giving back through community outreach programs and partnerships that make a difference. In today's fast-paced world, we understand that convenience matters. That's why we offer digital banking solutions including online banking and mobile payment options, ensuring that you can manage your finances anytime and anywhere. Our ATM availability further enhances your access to cash when you need it most. As an ADA-compliant institution, we prioritize inclusivity and ensure that all members can easily utilize our services. While we currently do not offer drive-thru banking or shared service centers, our dedicated staff is always on hand during our operating hours Monday through Friday from 8:30 AM to 5:30 PM to assist you with your banking needs. Join us at Northern Colorado and become part of a legacy built on trust, integrity, and community spirit. Together, let's achieve your financial goals while making a positive impact in Berthoud and beyond. Feel free to reach out by calling us at 970-330-3900 or explore more about us online at nococu.org. We look forward to welcoming you into our family!

Branch Location & Accessibility

Easy Access and Parking

Finding us is simple! Our branch is situated in a welcoming area with ample parking available for all members. Plus, we are committed to accessibility, ensuring that everyone can visit us comfortably. If you have mobility needs, rest assured that we have ramps and other features to assist you.

Operating Hours That Fit Your Schedule

We understand that your time is valuable. That's why our lobby hours are Monday through Friday from 8:30 AM to 5:30 PM, allowing you to plan your visit around your day. If you need assistance outside these hours, feel free to give us a call at (970) 330-3900.

Services Designed for You

At Northern Colorado, we offer a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to help you manage your money effectively. Plus, with an ATM on-site, accessing cash is quick and convenient. While you can visit us at 909 Mountain Ave for all your banking needs, please note that any official correspondence should be sent to the same address as well. We invite you to come by and discover how we can support your financial journey. Whether you're looking for advice or ready to open an account, our friendly staff is eager to assist you. Stop in today!

Member Eligibility

At Northern Colorado, we believe that joining our community is like gaining a new family member. We welcome anyone who lives, works, or worships in Larimer County to become part of our cooperative. Whether you're just starting your financial journey or looking to enhance your current banking experience, we offer a supportive environment tailored for you. The eligibility criteria are straightforward and inclusive, making it easy for you to explore the benefits of membership with us. To learn more about the specific details of who can join, feel free to visit our resource page at https://forms.joinmycu.com/mop/939/mop/promotional . Opening an account at Northern Colorado is a simple process that opens doors to various financial services designed with your needs in mind. From checking and savings accounts to auto loans and credit cards, we have options to help you manage your money effectively. Plus, as a member, you'll enjoy competitive rates and personalized service. If you're ready to take the next step towards membership or have any questions, don't hesitate to reach out to us at (970) 330-3900 or check out our account opening details here: https://www.nococu.org/apply-for-auto-loan-and-more/ . We can't wait to welcome you into our community at 909 Mountain Ave Berthoud Co 80513!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services simplify payment processing for your business. Imagine being able to accept payments anytime and anywhere whether you're at a bustling market or running an online store. Our tools are designed to streamline transactions so you can focus on what really matters: growing your business. Visit us at 909 Mountain Ave Berthoud Co 80513 in Berthoud, CO, or call us at (970) 330-3900 to learn more about how our business banking solutions can help you achieve your goals.

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $51 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $511,862, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For business owners in the area, we provide comprehensive business banking services including merchant services and business loans. This means whether you're starting a new venture or expanding an existing one, we've got the tools to support your success.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Northern Colorado, we offer robust online and mobile banking features. You can manage your accounts anytime, anywhere whether it's checking balances, transferring funds, or making payments. With our ATM services available for cash withdrawals and balance checks, accessing your money has never been easier.

Personal Banking Solutions

Our personal banking options include checking and savings accounts designed to fit your lifestyle. Imagine having easy access to your funds while earning interest on your savings! Our auto loans and vehicle financing make it simple for you to drive away in the car of your dreams. With competitive rates, we strive to make this process as smooth as possible. If you're considering a new home or refinancing your current mortgage, our mortgage loans are crafted with your best interests in mind. We also offer personal loans for those unexpected expenses or for consolidating debt, helping you regain control over your finances. Additionally, our credit cards come with rewards that benefit you every time you shop.

Why Choose Us?

At Northern Colorado, our focus is on making banking not just easy but enjoyable. Our friendly staff is ready to assist you with any questions or concerns you may have about our services or how to best utilize them for your financial goals. We believe in building lasting relationships with our members based on trust and transparency. If you're ready to take the next step towards better financial management, give us a call at (970) 330-3900 or visit us at 909 Mountain Ave Berthoud Co 80513 in Berthoud. We invite you to discover how we can help you achieve your financial dreams today! For more information about our services or to get started with an account, check out our website at Berthoud.

Digital & Online Banking

Key Features for Your Convenience

Our online banking services come packed with features that prioritize both convenience and security. For instance, you can easily enroll in e-statements, allowing you to receive your bank statements electronically. This not only helps reduce paper clutter but also makes it easier to keep track of your finances. Plus, with our mobile application available, you can manage your accounts right from your phone, ensuring that everything is just a tap away. Need to send money to a friend? Our person-to-person transfer feature makes it quick and hassle-free to share funds with anyone who has an account. And if you prefer the ease of mobile payments, we've got you covered just use your smartphone to make purchases at participating retailers.

Security You Can Trust

We understand that security is a top concern when it comes to online banking. That's why we take every measure necessary to protect your information. While we currently do not support electronic signature authorization, our systems are designed with robust security features that keep your data safe while you enjoy the convenience of online banking. At Northern Colorado, we're committed to providing accessible and user-friendly services that fit into your busy life. Whether you're checking balances on the go or making payments from home, our digital banking tools are here to help you manage your money effectively and securely. Join us today and experience how easy banking can be!

Financial Strength

A Growing Community

Our commitment to service is further demonstrated by the trust of our growing member base. We have a total of 6,577 share accounts, showing a strong community that believes in what we do. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Northern Colorado is your trusted partner. Visit us at 909 Mountain Ave Berthoud Co 80513 or call (970) 330-3900 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $7,721,686 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 across various sectors with $412 in used auto loans and $42,003,256 in total loans and leases. Our operational efficiency is reflected in our $-21,754, which enables us to continue offering competitive loan rates and solid financial products for you. We also take pride in having 13 full-time employees and 1 part-time employees ready to assist you with a knowledgeable team.

Secure Savings Opportunities

Members' savings are secured through $35,077,992 in share certificates and $11,140,170 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.

Strong Financial Health

With a net worth of $7,699,932, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $962 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 $8,122,182 in used vehicle loans and $4,160,201 in new vehicle loans already helping members get on the road. We provide flexible terms and options for both new and used vehicles, ensuring you can find the perfect fit for your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $511,862 provide the capital needed to grow and expand. Whether it's purchasing equipment or financing inventory, we support local businesses in reaching their potential.

Credit Lines

In addition to traditional loans, we have credit lines available amounting to $15,520,629, providing additional flexibility for managing cash flow or unexpected expenses. If you're considering refinancing any existing loans or want to check your eligibility for our various loan products, we encourage you to reach out. Our team is ready to assist you through every step of the process. For more information or to discuss your financial needs, please contact us at (970) 330-3900, or visit us at our branch located at 909 Mountain Ave Berthoud Co 80513 in Berthoud, CO. 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 goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,801,700, make buying or refinancing simple. We help you navigate the process smoothly, making your dream of owning a home more attainable.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $793,561 in loans helping members manage their finances effectively. These cards provide convenience for daily purchases while allowing you to build credit responsibly.

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NORTHERN COLORADO CREDIT UNION - Berthoud, CO