NORTHERN LIGHTS FEDERAL CREDIT UNION

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!

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!

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!

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!

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.