Northern Lights Credit Union Saint Johnsbury VT | Affordable Vehicle Loans & Quick Personal Loans

Introduction

At Northern Lights, we believe that strong communities are built on trust and support. Since our establishment in 1951, we've been dedicated to providing exceptional financial services to our members right here in Saint Johnsbury, VT. Nestled at 1004 Memorial Dr, our branch serves as a welcoming hub for over 4,097 members who rely on us for their banking needs. With total assets of $29,686,605 and deposits amounting to $2,474,824, we take pride in being a financially sound institution. Our commitment to responsible lending is evident with 1,278 loans and leases extended to our members, ensuring they have access to the funds they need for personal and business endeavors. While you can visit us at our physical location for all your banking needs, please note that any official correspondence should be sent to the same address: 1004 Memorial Dr, Saint Johnsbury, VT 05819. With a team of 10 dedicated employees, led by our CEO Rita Revilla and Board President Greg Winn, we're here to guide you through every financial decision. We're not just about numbers; we're about making a meaningful impact in our community. Whether you're looking for a new auto loan or simply want to open a savings account, we offer a variety of services tailored to meet your unique needs from personal banking and credit cards with rewards to business banking solutions. Explore how we can serve you better by visiting our website at northernlightscu.com or give us a call at 802-748-2288. Join us in building a brighter financial future together!

Branch History & Mission

Welcome to Northern Lights, a beacon of financial support in the heart of Saint Johnsbury, VT. Since our doors first opened in 1951, we have been dedicated to serving our community with integrity and compassion. Over the decades, we have grown alongside our members, evolving from a small credit union into a vital financial institution that proudly serves over 4,097 members today. Our commitment is reflected in our robust total assets of $29,686,605, which enables us to provide a range of valuable services tailored to your needs. Located at 1004 Memorial Dr Saint Johnsbury, VT 05819, our branch is easily accessible and welcomes you with open arms. You can find us near local landmarks that make this community special. While members can visit us at this address, official correspondence should be sent to our mailing address: 1004 Memorial Dr, Saint Johnsbury, VT 5819. At Northern Lights, we believe that our mission goes beyond just providing financial services; it's about empowering individuals and strengthening our community. Our mission statement emphasizes not only helping you achieve your financial goals but also supporting local initiatives and fostering community growth. This means offering personal banking solutions like checking and savings accounts, auto loans, mortgages, and business banking services all while prioritizing your experience and satisfaction. As we embrace technology to serve you better, we have introduced various digital advancements such as online banking and mobile applications. We strive for accessibility with ADA-compliant facilities and an array of services including ATM availability and drive-thru banking options for your convenience. In addition to our core financial offerings, we are proud of our partnerships and outreach efforts within the community. These initiatives allow us to give back and create lasting relationships that benefit everyone involved. Our operating hours are designed with your schedule in mind: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 8:30 AM to 12 PM. If you have any questions or need assistance, don't hesitate to call us at 802-748-2288. Join us at Northern Lights where your financial well-being is at the heart of everything we do. Experience the difference of being part of a member-focused credit union dedicated to helping you shine brighter every day!

Branch Location & Accessibility

Contact Us

Have questions or need assistance? Feel free to give us a call at 802-748-2288. We're eager to help you achieve your financial goals. Remember, while members can visit us at 1004 Memorial Dr, official correspondence should be sent to the same address as our mailing address. We look forward to seeing you soon at Northern Lights!

Nearby Landmarks and Accessibility

Nestled near familiar spots like the local park and just a short drive from downtown, our location makes it convenient for you to stop by while running errands or enjoying a day out. We ensure that our facilities are fully accessible, with ADA-compliant features such as ramps and designated parking spaces.

Operating Hours and Services

We know your time is valuable! That's why our lobby is open from 9 AM to 5 PM Monday through Thursday, 9 AM to 6 PM on Fridays, and we even welcome you on Saturdays from 8:30 AM until noon. Need quick access? We offer a drive-thru for simple transactions and an ATM on-site for your convenience, whether it's cash withdrawals or balance checks. At Northern Lights, we provide a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards our friendly team is here to help you navigate your choices.

Member Eligibility

At Northern Lights, we believe that becoming a member is like joining a family where everyone supports each other. If you're looking to be part of our community, you'll be pleased to know that eligibility is quite straightforward! To join us at our branch located at 1004 Memorial Dr, Saint Johnsbury, VT 05819, you simply need to meet certain criteria. Generally, we welcome individuals who live, work, worship, or attend school in our local area. This means if you have ties to our community, you're likely already eligible! Joining Northern Lights comes with fantastic benefits like access to personalized banking services and competitive loan rates. Our members enjoy a range of financial products tailored just for them. Plus, the process of opening an account is simple and inviting. You can find more details about eligibility on our website at https://northernlightscu.com/become-a-member/. If you have any questions or need assistance, feel free to give us a call at 802-748-2288. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, our merchant services provide practical benefits for local businesses. With tools designed to simplify payment processing, you can focus more on serving your customers and less on managing transactions. Whether you're running a small shop or a bustling café, these services streamline operations, helping you stay competitive. Visit us at 1004 Memorial Dr Saint Johnsbury Vt 05819 in Saint Johnsbury, VT, or call us at (802) 748-2288 to learn how we can support your business's financial health!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. This funding allows entrepreneurs to chase their dreams and create jobs within our community. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that fit diverse needs. - With an outstanding commercial loan portfolio of $393,584, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Connect with Us

No matter what financial needs you have, Northern Lights is here to support you every step of the way. Our experienced staff is ready to assist you in person or over the phone at (802) 748-2288 during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 8:30 AM to 12 PM. We invite you to explore all that we have to offer by visiting us online at Main Office. Let us be your trusted partner in achieving your financial goals!

Credit Cards and Business Banking

Looking for rewards on your spending? Our Credit Cards with Rewards program allows you to earn points for every dollar spent, making it easier to enjoy perks while managing everyday expenses. For local businesses, we offer comprehensive Business Banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have the tools to help your business thrive.

Online Convenience

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking services. Check balances, transfer funds, and pay bills from anywhere at any time through our secure platform. With features like ATM access for cash withdrawals and balance checks available at our ATMs, banking has never been easier. Our Basic Drive-Thru Banking service also allows you to conduct simple transactions like deposits and withdrawals without leaving your car perfect for those busy days when time is of the essence.

Personal Banking

We offer various Personal Banking options, including checking and savings accounts designed to make managing your money easy and convenient. For those considering a new car, our Auto Loans & Vehicle Financing provide competitive rates and flexible terms that can help you drive away in your dream vehicle without breaking the bank. If you're thinking about purchasing a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services are here for you. We understand that buying a home is one of the most significant decisions you'll make, and we aim to simplify the process with personalized support. Additionally, our Personal Loans & Debt Consolidation services can help streamline your finances if you're looking to manage debt more effectively.

Digital & Online Banking

At Northern Lights, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. Whether you're at home, at work, or on the go, you can access your accounts anytime with just a few clicks. Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer money whenever it suits you. You can explore all our online offerings at https://northernlightscu.com/. Plus, with our mobile application, managing your finances is even easier. You can download it to make transactions right from your smartphone, ensuring you're always connected to your accounts. One standout feature is our person-to-person transfers, which allow you to send money directly to friends or family with ease. No more waiting for checks to clear or dealing with cash just quick and simple transfers right when you need them. Additionally, if you're looking for a paperless option, we provide e-statements that give you instant access to your financial history without cluttering your mailbox. Security is paramount in everything we do. With electronic signature authorization, signing documents has never been safer or more convenient. You can complete transactions confidently knowing that your information is protected. Although we currently do not support mobile payments, our commitment to enhancing user experience remains strong. We continuously look for ways to introduce new features that add value for our members. In short, Northern Lights prioritizes accessibility and ease of use in all our digital banking services. Take control of your finances today visit us online and discover how our tools can help simplify your banking experience!

Financial Strength

At Northern Lights, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that you want to know your hard-earned money is safe and sound, which is why we strive to maintain a strong financial foundation. With a net worth of $3,975,801, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.38% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $2,595,410 in share certificates and $610,052 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. We take pride in having $2,818,747 in undivided earnings, which we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is substantial with $5,480 in used auto loans and a total of $23,433,541 in loans and leases supporting your financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also have a dedicated team of 8 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with knowledgeable support. With net shares amounting to $848,023, funds are available for lending and investments. Additionally, the trust placed in us by our members is evident from our strong base of 5,038 total share accounts. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Northern Lights is your trusted partner. Visit us at 1004 Memorial Dr Saint Johnsbury Vt 05819 or call 802-748-2288 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $9,806,346 in used vehicle loans and $5,328,308 in new vehicle loans already helping members get on the road. We also provide refinancing options to help you lower your monthly payments or reduce interest rates on your existing auto loan.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $937,379, make buying or refinancing simple. We guide you through every step of the mortgage process to ensure a smooth experience.

Personal and Business Loans

For business owners, our outstanding commercial loans totaling $393,584 provide the capital needed to grow and expand. Additionally, if you're looking for personal loans or debt consolidation options, we have solutions that can help simplify your financial life. Our team at Northern Lights is here to assist you with any questions regarding eligibility or refinancing options. You can reach us at 802-748-2288 during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 8:30 AM to 12 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today and discover how we can support your journey toward financial success!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. If you're looking for a way to build your credit or handle unexpected expenses, our credit card options can be a great fit.

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NORTHERN LIGHTS FEDERAL CREDIT UNION - Saint Johnsbury, VT

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