Northern Redwood Credit Union Eureka CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Northern Redwood, your trusted partner in financial well-being since 1955. Located at 903 4Th St, Eureka, CA 95501, our Eureka Branch is dedicated to providing personalized banking solutions tailored to meet the diverse needs of our 3,317 members. With a commitment to community and a focus on member satisfaction, we pride ourselves on being more than just a credit union; we are your neighbors invested in your success. At Northern Redwood, we understand that financial decisions can be daunting. That's why our experienced team, led by CEO Jenna Cardoza and Board President Sandra Hanks, is here to guide you every step of the way. Our branch boasts a solid foundation with total assets of $24,033,459 and total deposits reaching $1,012,610, ensuring that your money is safe and secure with us. While members can visit us at 903 4Th St, official correspondence should be sent to the same address for your convenience. Whether you're looking for an auto loan, mortgage options, or simply want to manage your savings effectively, our range of services is designed with you in mind. From personal loans to business banking solutions, we have you covered. Feel free to reach out via phone at 707-822-5902 or explore our website at northernredwoodfcu.org for more information about our offerings. Our friendly staff is ready to assist you during lobby hours from Monday to Friday. Join us today and experience the difference of a credit union that truly cares!

Branch History & Mission

Community Engagement

We believe in giving back. Through various partnerships and outreach efforts, Northern Redwood actively supports local initiatives that foster growth and development within Eureka and surrounding areas. Whether it's sponsoring events or participating in community programs, we take pride in being an integral part of this vibrant area.

Join Us Today!

As we continue this journey together, we invite you to become part of the Northern Redwood family. Experience firsthand how we blend personalized service with innovative solutions designed just for you. Visit us during our operating hours Monday through Friday from 10 AM to 5:30 PM or reach out at 707-822-5902. Together, let's build a brighter financial future for you and our community!

Our Journey

From humble beginnings, Northern Redwood has evolved significantly while maintaining a strong focus on our mission: to provide accessible and affordable financial services that empower individuals and strengthen our community. We started with just a handful of dedicated employees and have since expanded our team to six passionate professionals who are always ready to assist you. Our branch is conveniently located at 903 4th St, Eureka, CA 95501, nestled among local businesses and close to the scenic beauty that Humboldt County offers. While members can visit us at this location for personalized service, official correspondence should be directed to the same address.

Our Mission

At Northern Redwood, our mission goes beyond just banking. We strive to uplift our community by offering valuable financial products and services tailored to meet diverse needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we aim to support your journey toward financial well-being. We also understand the importance of accessibility; therefore, we offer online and mobile banking options that allow you to manage your finances on-the-go. Additionally, our commitment extends to ADA compliance ensuring everyone can access our services without barriers.

Branch Location & Accessibility

Welcome to the Eureka Branch of Northern Redwood, conveniently located at 903 4Th St, Eureka, CA 95501. Nestled in the heart of Humboldt County, our branch is easily accessible and ready to serve you. Whether you're coming from downtown or just passing through, you'll find us near familiar spots like the beautiful Old Town district and the bustling waterfront. At Northern Redwood, we prioritize your convenience. Our branch features ample parking, making it easy for you to stop by without any hassle. We are proud to be ADA compliant, ensuring that everyone can access our services comfortably. Our lobby hours are designed with your busy schedule in mind: we're open Monday through Thursday from 10 AM to 5 PM, and Fridays until 5:30 PM. If you need assistance outside of these hours, feel free to call us at 707-822-5902. Our friendly team is always here to help with any questions you might have! While members can visit us at 903 4Th St, official correspondence should be sent to the same address as our mailing address is identical. We offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Plus, enjoy the ease of online and mobile banking right from your phone! If you're looking for an ATM, you'll be pleased to know that we have one available on-site for your convenience. However, please note that we do not offer drive-thru service at this location. Come visit us today! We look forward to meeting you and helping you with all your banking needs at Northern Redwood's Eureka Branch!

Member Eligibility

At Northern Redwood, we believe that joining our community is more than just opening an account it's about becoming part of a supportive family that cares for your financial well-being. If you're looking to become a member, you'll be happy to know that eligibility is straightforward. Generally, anyone who lives, works, worships, or attends school in the area can join us. We also welcome family members of existing members, making it easy for loved ones to benefit from our services together. For the most up-to-date and detailed eligibility criteria, feel free to check out our resource at https://www.northernredwoodfcu.org/contact.html. Once you see that you qualify, opening an account is a breeze! Just visit us at our branch located at 903 4Th St Eureka Ca 95501, or give us a call at (707) 822-5902 for any questions you may have. We're here to guide you through each step of the process. You can even start your journey online by clicking on this link: https://powerforms.docusign.net/1171363a-9af0-46e0-973c-8a31eedffb07?accountid=9a2fc679-2658-4a69-ae85-a2f691eaaf32&env=www. Join us at Northern Redwood and enjoy all the advantages we offer as a member of our credit union!

Business Banking & Commercial Services

At Northern Redwood, we understand that every business has unique needs and dreams. Whether you're just starting out or looking to expand, our commercial services are designed to help you thrive in today's competitive market. Imagine securing the funds you need to purchase new equipment or hire additional staff our member commercial loans have funded over $2, paving the way for local businesses to grow and succeed. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - 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. Additionally, our merchant services can simplify your operations. Picture this: a seamless payment process that allows your customers to pay easily while you manage your sales efficiently. This is just one way we help businesses focus on what matters most their success. Visit us at 903 4Th St Eureka Ca 95501 in Eureka, CA, or give us a call at (707) 822-5902 to discover how we can support your business journey today!

Comprehensive List Of Services

Business Banking Solutions

If you own a business or are thinking of starting one, Northern Redwood offers comprehensive Business Banking services. From Merchant Services that simplify payment processing to tailored Business Loans, we're here to support your entrepreneurial journey.

Convenient Access and Support

We understand the importance of convenience in today's fast-paced world. That's why we provide ATM & Cash Withdrawal Services, including basic ATM access for quick withdrawals and balance checks. Need assistance? Call us at (707) 822-5902, and our friendly staff will be happy to help. At Northern Redwood, we prioritize making banking accessible and straightforward for everyone. We invite you to explore all that we offer and discover how our services can enhance your financial life. Ready to take the next step? Visit us at our website or stop by our branch today! Your financial journey starts here.

Credit Cards with Rewards

For the everyday spender, our Credit Cards with Rewards allow you to earn points on purchases while enjoying low rates. Use them for groceries, gas, or even travel it's all about making every dollar work harder for you.

Loans and Financing Options

If you're planning to buy a new car or need a reliable vehicle, our Auto Loans & Vehicle Financing offer competitive rates that can make your purchase stress-free. For those eyeing their dream home, our Mortgage Loans & Refinancing options provide flexible terms tailored to fit different budgets. Maybe you're facing unexpected expenses? Our Personal Loans & Debt Consolidation solutions can help ease the burden by combining multiple payments into one manageable loan.

Personal Banking

Whether you're looking to open a new checking account or save for future dreams, our personal banking services have you covered. With our Checking & Savings Accounts, you can manage your day-to-day finances effortlessly. Imagine having easy access to your funds through Online & Mobile Banking pay bills, transfer money, or check your balance right from your smartphone!

Digital & Online Banking

Key Services Available

Through our online banking platform at https://www.northernredwoodfcu.org/, you can check balances, transfer funds, and pay bills all in one place. Plus, our mobile application allows you to manage your accounts directly from your smartphone. Whether you're out shopping or relaxing at home, you'll have everything you need at your fingertips. Want to send money to a friend? Our person-to-person transfer feature makes it quick and simple. Just a few taps on your screen, and you can send cash without any hassle. And with our support for mobile payments, making purchases has never been more convenient. You can pay with confidence using your mobile device wherever it's accepted.

Security and Accessibility

We prioritize your security with features like electronic signature authorization for transactions, ensuring that your personal information stays safe. Our e-statements option means you can receive your account statements electronically, reducing clutter while keeping everything organized and accessible. With these digital tools, you're not just managing your money; you're doing it in a way that fits seamlessly into your lifestyle. Experience the convenience of online banking with us at Northern Redwood today!

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts: 4,115, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $0. 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 903 4Th St Eureka Ca 95501 or call (707) 822-5902 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

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.

Reinvestment in Member Services

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 lending capacity is robust; we currently have $931 in used auto loans and $16,331,512 in total loans and leases to support your financial goals across various sectors.

Secure Savings Options

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.

Solid Financial Health

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.

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 and competitive rates to ensure you find an option that fits your budget.

Credit Lines and Business Loans

For those seeking additional financial flexibility, we provide credit lines totaling $1,500,000. Additionally, business owners can benefit from our outstanding commercial loans totaling $86,700, which can provide the capital needed to grow and expand your business. At Northern Redwood, we strive to make the loan process as straightforward as possible. If you're interested in refinancing or exploring eligibility options for any of our products, feel free to reach out to us at (707) 822-5902 during our operating hours: M-Th 10a - 5p and Fri 10a - 5:30p. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We invite you to visit our website at https://www.northernredwoodfcu.org/ for more information on how we can assist you with your lending needs.

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. Whether you are a first-time homebuyer or looking to refinance your existing mortgage, our knowledgeable staff will guide you through the process.

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. These cards are perfect for unexpected expenses and can help improve your credit score when used responsibly.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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 ensures that users receive fair and transparent offers tailored to their financial situations. Each lender featured on the platform has been thoroughly vetted for legitimacy, adding an extra layer of trust to the comparison process.