Northern Communities CU Virginia MN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Northern Communities, your trusted partner in financial services located at 800 S 16th Ave, Virginia, MN 55792. Established in 1928, we are proud to have served our community for over 95 years, building lasting relationships with our 6,715 members. Our commitment to providing exceptional banking solutions has allowed us to grow our assets to an impressive $105,321,352, ensuring that we can meet the diverse needs of our members. At Northern Communities, we understand that financial decisions can be overwhelming. That's why we're dedicated to offering personalized services that make banking simpler and more accessible. With a total deposit base of $1,123,008 and a strong net worth of $12,131,604, you can feel confident knowing your money is secure with us. Our 31 employees, led by CEO Trina Hoff and Board President Karen Erickson, are here to support you every step of the way. Whether you're looking for checking and savings accounts, auto loans, or mortgage financing, we have the tools to help you achieve your financial goals. And with a total loan portfolio exceeding 84,068, we're ready to assist you with competitive rates and flexible terms. While you can visit us directly at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 800 South 16th Avenue, Virginia, MN 55792. Explore our website at nccyou.com for more information on our services or give us a call at 218-741-8155. We invite you to join our family today and experience the difference that community-focused banking can make!

Branch History & Mission

At Northern Communities, we take pride in our rich history and commitment to serving the community of Virginia, MN. Established in 1928, our branch has grown from humble beginnings into a vital financial partner for over 6,700 members. We are located at 800 S 16th Ave, conveniently situated near local landmarks that make us easily accessible to all. Over the years, Northern Communities has evolved significantly. From our initial focus on providing basic banking services to expanding our offerings to include auto loans, mortgages, and business banking solutions, we have consistently aimed to meet the diverse needs of our members. Today, our total assets stand at an impressive $105,321,352, reflecting our stability and growth in the financial sector. Our mission is simple yet profound: to empower our members with reliable financial services while actively supporting our community. We believe in building lasting relationships and providing personalized service that extends beyond transactions. Our initiatives include partnerships with local organizations, educational workshops on financial literacy, and outreach programs that help those in need. While members can visit us at 800 S 16Th Ave Virginia Mn 55792, official correspondence should be sent to 800 South 16th Avenue, Virginia, MN 55792. Our team is dedicated to ensuring that everyone feels welcome and valued when they walk through our doors or engage with us online. We also embrace modern technology to enhance your banking experience. With features like online banking and mobile payments available, managing your finances has never been easier. Our drive-thru service adds another layer of convenience for those on the go. Whether you need assistance with personal banking or are looking for business solutions, Northern Communities is here for you every step of the way. Join us today and discover how we can help you achieve your financial goals while making a positive impact in our community. For more information or assistance, feel free to contact us at (218) 741-8155 during our operating hours: Monday through Friday from 8:30 AM to 5:00 PM and extended drive-thru hours on Fridays until 6:00 PM. Let's build a brighter future together!

Branch Location & Accessibility

Banking Services

Our branch offers a wide range of services tailored just for you. From personal checking and savings accounts to auto loans and mortgages, we have everything you need under one roof. Plus, our ATM is available for cash withdrawals and balance checks whenever you need it. While members can visit us at 800 S 16th Ave, official correspondence should be sent to our mailing address at 800 South 16th Avenue, Virginia, MN 55792. For any questions or assistance, feel free to call us at 218-741-8155. We look forward to welcoming you into the Northern Communities family!

Convenient Access and Features

At our Virginia branch, we pride ourselves on being accessible to everyone. Our location features ample parking and is equipped with ADA-compliant access points, ensuring that all members can enjoy a hassle-free visit. If you prefer banking from your car, take advantage of our drive-thru service available Monday through Friday.

Operating Hours

We understand that life gets busy! That's why our lobby hours are designed to fit your schedule. Join us Monday through Thursday from 7:30 AM to 5:00 PM and on Fridays until 6:00 PM. You can also access our drive-thru service during the same hours for quick deposits and withdrawals.

Member Eligibility

Becoming a member of Northern Communities is like joining a family that truly cares about your financial well-being. Located at 800 S 16Th Ave Virginia Mn 55792, we welcome anyone who lives, works, worships, or attends school in our community to join us. Our eligibility criteria are designed to be inclusive, ensuring that you can access the personalized services we offer. You can find all the details on how to qualify by visiting our website at https://nccyou.com/accounts/ . Joining Northern Communities comes with many advantages, including a variety of financial products tailored just for you, competitive rates, and friendly service from our dedicated team. Opening an account is simple! Just head over to our account opening page at https://nccyou.com/loan-visa/ or give us a call at (218) 741-8155 if you have any questions. We're excited to help you start your journey with us!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify your daily transactions. Imagine being able to accept payments seamlessly from customers, whether they pay by card or mobile app. This convenience helps improve customer satisfaction while streamlining your cash flow. If you're looking for a partner who understands your unique needs as a business owner, look no further than Northern Communities at 800 S 16Th Ave Virginia Mn 55792, Virginia, MN. Let's work together to turn your business goals into reality!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. These loan options are not just numbers; they represent real opportunities for local businesses to expand their operations, purchase inventory, or invest in new technology.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash in a pinch? We provide access to ATMs where you can make withdrawals or check your balance quickly. Our drive-thru banking also allows for simple transactions without leaving your car perfect for those busy days when time is of the essence. At Northern Communities, we believe in making financial services accessible and straightforward. We invite you to visit us at 800 S 16Th Ave Virginia Mn 55792 or give us a call at (218) 741-8155 to learn more about how we can assist you on your financial journey. Discover all the ways we can help by visiting our website at Virginia today!

Business Banking Solutions

For our business members, we provide comprehensive banking solutions that support growth and success. Our merchant services simplify payment processing so you can focus on what matters most: running your business. Additionally, our business loans are designed to help entrepreneurs like you achieve your goals without unnecessary hurdles.

Credit Cards and Rewards

Who doesn't love rewards? Our credit cards not only come with competitive rates but also offer exciting rewards that can enhance your purchasing power. Whether it's cash back on everyday purchases or travel points for your next adventure, we have options that cater to different lifestyles.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking features that allow you to manage your accounts anytime, anywhere. With options for mobile payments, person-to-person transfers, and e-statements, staying on top of your finances has never been easier. You can check balances, transfer funds, or pay bills right from your smartphone or computer.

Personal Banking Services

We understand that managing your finances can be challenging. That's why our personal banking services are tailored to help you navigate your financial journey with confidence. From checking and savings accounts that allow you to manage your day-to-day expenses effectively, to auto loans and vehicle financing that can help you get on the road without breaking the bank, we've got you covered. If you're considering purchasing a home, our mortgage loans and refinancing options provide flexible solutions to fit your budget. And if life throws unexpected expenses your way, our personal loans and debt consolidation services can offer a helpful hand.

Digital & Online Banking

Convenient Online Access

With our online banking services available 24/7 at https://nccyou.com/ , you can check balances, transfer funds, and pay bills anytime you need. This means no more rushing to the bank before it closes or waiting in long lines. You can manage your accounts with just a few clicks from the comfort of your couch or while you're out running errands.

E-Statements for Easy Tracking

Say goodbye to piles of paper statements! With e-statements available at Northern Communities, you can view your account activity anytime, anywhere. This not only helps keep your financial records organized but also contributes to going green by reducing paper waste.

Security You Can Trust

Your security is our top priority. Our digital banking features are designed with robust security measures to protect your information. You can feel safe knowing that your data is encrypted and securely stored. In summary, Northern Communities offers a comprehensive suite of digital banking solutions that empower you to take control of your finances easily and securely. Experience the convenience today by visiting us online at https://nccyou.com/ !

User-Friendly Mobile Application

Our mobile application makes banking even easier! You can access all your essential services right from your smartphone. Whether you want to deposit checks using electronic signature authorization or send money to friends through person-to-person transfers, everything is just a tap away. And if you prefer to use mobile payments, our app has you covered there too!

Financial Strength

Efficient Operations

Our operational efficiency is reflected in our $918,482, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 29 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

Total Share and Deposit Accounts stand at 13,183, showing a strong and growing member base that trusts us with their finances. This commitment to community reinforces our position as your trusted partner for financial success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Northern Communities is here to help you achieve your financial goals. Visit us at 800 S 16Th Ave Virginia Mn 55792 or call (218) 741-8155 to learn more about how we can support your journey.

Member-Centric Savings

Members' savings are secured through $11,217,865 in share certificates and $6,477,467 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.

Reinvestment for Growth

With $11,098,922 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 $57,847 in used auto loans and $91,627,777 in total loans and leases.

Strong Financial Health

With a net worth of $12,131,604, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,151 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 $19,247,371 in used vehicle loans and $17,662,511 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is here to guide you through the process.

Business Financing

For business owners, while we currently have no outstanding commercial loans available, we are always exploring opportunities to support local businesses with financial solutions tailored to their unique needs.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,814,490 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits designed to enhance your purchasing power while keeping costs manageable.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,764,549, make buying or refinancing simple. We provide personalized support to help you navigate through different mortgage options that suit your needs and budget.

Refinancing Options

If you're considering refinancing an existing loan or want to explore eligibility options for any of our products, our knowledgeable staff at Northern Communities is ready to assist you. We believe in making banking straightforward and accessible for everyone. If you have questions or want more information about our loan offerings, feel free to reach out at (218) 741-8155 or visit us at 800 S 16th Ave., Virginia, MN 55792. 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 Northern Communities, we're dedicated to providing you with the tools necessary for financial success!

Loan Aggregator

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Ensuring Accurate Comparisons

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NORTHERN COMMUNITIES CREDIT UNION - Virginia, MN