Northern Redwood Credit Union Arcata CA | Best Auto Loans & Business Banking

Introduction

Welcome to Northern Redwood, your trusted financial partner located at 1270 Giuntoli Ln, Arcata, CA 95521. Since our establishment in 1955, we have been dedicated to serving our community with integrity and care. With a proud membership of over 3,300 individuals, we understand the importance of personalized service and building lasting relationships. At Northern Redwood, we believe in empowering our members to achieve their financial goals. With total assets reaching an impressive $24,033,459, we offer a range of services tailored to meet your needs. From auto loans and mortgages to personal banking solutions, our offerings are designed with you in mind. Our total deposits stand at $1,012,610, reflecting the trust our members place in us every day. Under the leadership of our CEO, Jenna Cardoza, and Board President, Sandra Hanks, our team is committed to providing exceptional service. We proudly employ six dedicated staff members who are always ready to assist you during our operating hours from Monday through Friday. Whether you prefer visiting us in person or utilizing our online banking options, we ensure your experience is smooth and enjoyable. While members can visit us at 1270 Giuntoli Ln, official correspondence should be sent to the same address for convenience. For any inquiries or assistance, feel free to reach out at 707-822-5902 or explore more about us on our website here. Join Northern Redwood today and discover how we can help you navigate your financial journey with confidence!

Branch History & Mission

Community Focus

Over the years, we have embraced numerous partnerships and outreach efforts that underscore our dedication to the local community. We understand that supporting local initiatives not only helps us grow but also strengthens the fabric of Arcata itself. With total assets amounting to an impressive $24,033,459, Northern Redwood is financially equipped to provide reliable services while ensuring security for our members' funds. We are proud of our ADA-compliant facilities and customer-centric initiatives that ensure every member feels welcome and valued. While members can visit us at 1270 Giuntoli Ln, official correspondence should be sent to 1270 Giuntoli Ln, Arcata, CA 95521-4415 if there are any differences in mailing addresses.

Join Us

We invite you to experience the Northern Redwood difference! Whether you're looking for a new bank or seeking better services than your current provider offers, come see how we can help you achieve your financial goals. Visit us during our operating hours Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 5:30 PM or give us a call at 707-822-5902. Let's grow together!

Our Mission

The mission of Northern Redwood is clear: we aim to empower our members by providing quality financial services while fostering community growth. We believe that everyone deserves access to safe and affordable banking options. Our commitment goes beyond just numbers; it's about enriching lives and uplifting our community. As part of our dedication to service, we offer a variety of products ranging from personal banking options like checking and savings accounts to auto loans and credit cards with rewards. Our online and mobile banking features make it easy for you to manage your finances anytime, anywhere.

Branch Location & Accessibility

Welcome to the Northern Redwood branch located at 1270 Giuntoli Ln in beautiful Arcata, CA! We pride ourselves on our convenient location, making it easy for our members to access all of their banking needs. Whether you're heading to the nearby Arcata Plaza or visiting one of the charming shops along G Street, we're just a short drive away. At Northern Redwood, we understand that accessibility is key. Our branch offers plenty of parking and is fully ADA compliant, ensuring that everyone can comfortably visit us. While you're here, you can take advantage of our ATM services for quick cash withdrawals or balance checks. Our lobby hours are designed to fit your busy schedule. We're open Monday through Thursday from 9:00 AM to 5:00 PM and extend our hours on Friday until 5:30 PM. If you have any questions or need assistance, feel free to give us a call at 707-822-5902. While members can visit us at 1270 Giuntoli Ln for all their banking needs, please note that official correspondence should be sent to our mailing address at 1270 Giuntoli Ln, Arcata, CA 95521-4415. We invite you to stop by and explore our wide range of services, including personal banking options like checking and savings accounts, auto loans, credit cards with rewards, and more. Our friendly team is here to help you every step of the way. Come see us today!

Member Eligibility

Becoming a member of Northern Redwood means joining a welcoming community that truly cares about your financial journey. If you live, work, or worship in the Humboldt County area, or have a family member who is already part of our credit union, you are eligible to join us! At Northern Redwood, we offer more than just banking services; we provide personalized support and opportunities for financial growth. To learn more about the specific eligibility criteria, feel free to visit our resource page at https://www.northernredwoodfcu.org/contact.html. Getting started is easy! You can open your account online by visiting https://powerforms.docusign.net/1171363a-9af0-46e0-973c-8a31eedffb07?accountid=9a2fc679-2658-4a69-ae85-a2f691eaaf32&env=www, or simply give us a call at (707) 822-5902 if you have any questions. We're here to help you take this important step towards better banking and brighter financial futures at our branch located at 1270 Giuntoli Ln Arcata Ca 95521. Join us today and experience the benefits of being part of the Northern Redwood family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer robust merchant services that make transactions easy for you and your customers. Imagine having seamless payment processing at your fingertips whether it's accepting credit cards at a local farmers market or setting up an online store. Our services help streamline operations so you can focus on what you do best: running your business. Located at 1270 Giuntoli Ln Arcata Ca 95521 in Arcata, CA, we're here to help you navigate the financial landscape. Contact us today at (707) 822-5902 to learn how we can assist your business on its journey to success!

Tailored Loan Solutions

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $86,700, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Always Here for You

If you have questions or need assistance, feel free to reach out to us at 707-822-5902 during our lobby hours: Monday through Thursday from 9:00 AM to 5:00 PM, and Friday until 5:30 PM. Our team is dedicated to ensuring that all your banking needs are met promptly and efficiently. At Northern Redwood, we're more than just a credit union; we're your trusted partner in achieving financial wellness. Explore all that we offer by visiting us at northernredwoodfcu.org or stop by our branch in Arcata today!

Business Banking Support

For entrepreneurs and business owners, Northern Redwood provides essential resources through our business banking services. From merchant services that simplify payment processing to tailored business loans, we're here to support your growth.

Digital Convenience

In today's fast-paced world, convenience matters. That's why we've prioritized our online and mobile banking platforms. Manage your accounts from anywhere with features like ATM access for cash withdrawals, balance checks, and even person-to-person payments all designed to give you peace of mind while you're on the go.

Loans Made Easy

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation come into play. We aim to help you regain control over your finances with flexible terms and competitive rates. Additionally, if you're looking for rewards on your spending, our credit cards with rewards allow you to earn while you shop.

Personal Banking Solutions

We offer a variety of personal banking options tailored just for you. Start with our checking and savings accounts that help you save for your future while keeping your everyday expenses in check. If you're considering purchasing a new vehicle, our auto loans and vehicle financing can make the process easier and more affordable. For those planning to buy a home, our mortgage loans and refinancing options ensure you find the right fit for your budget.

Digital & Online Banking

Key Features for Your Convenience

Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Just enter their information and send funds instantly no hassle involved! If you're always on the move, you'll love our mobile application that allows you to bank right from your smartphone. This app even supports mobile payments, making everyday purchases easier than ever. For those who prefer keeping track of their finances digitally, we offer e-statements that allow you to view your account statements online whenever you need them. And while we currently do not support electronic signature authorization, our secure platform ensures that all your transactions are protected. Managing your money has never been easier or more secure. At Northern Redwood, we're committed to providing accessible and efficient digital banking solutions tailored for your lifestyle. With these tools at your fingertips, you can enjoy real-time account management with confidence. Join us today and experience the ease of modern banking!

Financial Strength

At Northern Redwood, 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 pride ourselves on our solid financial foundation, ensuring that your trust in us is well-placed. With a net worth of $2,121,768, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $878 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 $5,914,574 in share certificates and $2,108,232 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. With $1,987,768 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to support your financial goals is evident with $931 in used auto loans and $16,331,512 in total loans and leases. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 4,115, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Northern Redwood is your trusted partner. Visit us at 1270 Giuntoli Ln Arcata Ca 95521 or call (707) 822-5902 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 $11,219,918 in used vehicle loans and $2,236,615 in new vehicle loans already helping members get on the road. We provide flexible terms that suit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $86,700 provide the capital needed to grow and expand. We recognize that businesses have unique funding needs, and we strive to support local entrepreneurs in achieving their dreams.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $123,754, make buying or refinancing simple. We are committed to guiding you through the process to ensure you find a loan that fits your needs.

Refinancing Options

If you're considering refinancing your current loans, we have options available to help you lower your payments or consolidate debt into one manageable loan. Our team is here to discuss eligibility options and find the right solution for you. Our knowledgeable staff at Northern Redwood, located at 1270 Giuntoli Ln Arcata Ca 95521, Arcata, CA, is ready to assist you. For more information or assistance with starting an application, feel free to call us at (707) 822-5902. 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 dreams!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $175,483 in loans helping members manage their finances effectively. This can be an excellent option for those looking to consolidate debt or make unexpected purchases without the hassle of secured lending.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons through a robust sourcing strategy. 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 commitment to sourcing from verified institutions guarantees fair and transparent offers for all users.