Northridge Community Credit Union Biwabik MN | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to Northridge Community, your trusted partner in financial services located at 222 Main St S, Biwabik, MN 55708. Established in 1957, we have proudly served our community for over six decades, building a strong foundation based on trust and reliability. With a current membership of 7,537 individuals, we are dedicated to helping you achieve your financial goals. At Northridge Community, we believe that everyone deserves access to personalized banking solutions. Our total assets stand at an impressive $108,691,173, allowing us to offer a wide range of services tailored to meet your needs. We currently manage $5,794,740 in deposits and have provided loans and leases totaling 4,913, ensuring that you have the financial support necessary for your life's journey. Under the leadership of our CEO, Nicholas Mathiowetz, and Board President Ryan Rediske, our team of 33 employees is committed to delivering exceptional service every day. Whether you're looking for checking and savings accounts, auto loans, or business banking solutions, we have you covered. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 935, Biwabik, MN 55708-3073. We invite you to explore how Northridge Community can help you navigate your financial path. For more information about our services or to speak with a member of our team, please call us at 218-865-6143 or visit our website at nrccu.org. Let's build a brighter financial future together!

Branch History & Mission

Welcome to Northridge Community, a credit union that has been dedicated to serving the Biwabik community since 1957. Our journey began over six decades ago with a vision to provide financial services that truly meet the needs of our members. Today, we stand proud as a pillar of support and growth for our community. Located at 222 Main St S in Biwabik, MN, our branch is easily accessible and central to local life. Whether you're visiting us for personal banking or seeking assistance with loans and savings, you'll find our friendly staff ready to help. For official correspondence, please send mail to PO Box 935, Biwabik, MN 55708-3073. From humble beginnings, Northridge Community has evolved significantly. We now proudly serve over 7,500 members and manage total assets of approximately $108,691,173. This growth reflects our commitment to providing valuable financial services while fostering a strong sense of community. Our mission is straightforward: we aim to empower our members through personalized banking solutions that promote financial health and stability. Our operating hours are designed with your convenience in mind; we are open Monday through Friday from 9 AM to 4:30 PM. For those on the go, we offer both ATM access and drive-thru banking services to ensure you can manage your finances quickly and efficiently. Northridge Community isn't just about numbers; it's about people. We believe in giving back through various community outreach programs and partnerships that enhance local welfare. From supporting local events to providing educational resources about financial literacy, we strive to make a positive impact in Biwabik. In today's digital world, we've also embraced technology while ensuring compliance with ADA standards for accessibility. Our online banking platform offers user-friendly features like e-statements and mobile applications so you can manage your accounts anytime, anywhere. As we look ahead, our commitment remains unwavering: we will continue to support our members' dreams whether it's buying a new home or starting a business while nurturing the community we love. Join us at Northridge Community and experience the benefits of being part of a credit union that truly cares about its members. Together, let's build a brighter financial future! If you have any questions or want to learn more about membership options, don't hesitate to call us at 218-865-6143 or visit our website at nrccu.org.

Branch Location & Accessibility

Connect With Us

Have questions? Feel free to give us a call at 218-865-6143. Our friendly staff is eager to provide you with the support you need. We invite you to stop by the Northridge Community Biwabik Office today! Experience personalized service and discover how we can help you achieve your financial goals.

Nearby Landmarks and Accessibility

Nestled near local favorites like the Biwabik Community Center and just a short drive from the scenic Biwabik Golf Course, our branch is perfectly situated for your convenience. We understand that accessibility is important, so we've ensured that our location is ADA compliant, complete with ramps and accessible parking spots to make your visit as smooth as possible.

Operating Hours and Services

Our doors are open Monday through Friday from 9 AM to 4:30 PM, ready to assist you with everything from checking and savings accounts to vehicle financing and mortgage loans. If you're on the go, take advantage of our drive-thru service for quick deposits and withdrawals without leaving your car. Plus, enjoy the convenience of our ATM services available at the branch. While members can visit us at 222 Main St S, official correspondence should be sent to PO Box 935, Biwabik, MN 55708-3073.

Member Eligibility

At Northridge Community, we believe that becoming a member is like joining a supportive family where your financial well-being is our top priority. If you're looking to join us at our Biwabik location, located at 222 Main St S, Biwabik, MN 55708, you'll be pleased to know that eligibility is designed to be inclusive and welcoming. Typically, membership is open to anyone who lives, works, worships, or attends school in the area. It's our way of creating a strong community connection. We're here to help guide you through the process; for detailed eligibility criteria, feel free to check out this resource: Northridge Community Eligibility. Opening an account with us is straightforward and friendly! We're dedicated to making banking accessible for everyone. You can start the process by visiting our account opening page at Account Opening. If you have any questions or need assistance along the way, don't hesitate to give us a call at 218-865-6143. We can't wait for you to join our community and enjoy all the benefits of being a member!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $50 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 $2,826,139, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing. Imagine running your business smoothly without worrying about how customers pay you. With our services, you can accept payments easily, manage transactions efficiently, and keep your focus on what matters most growing your business. Located at 222 Main St S Biwabik Mn 55708 in Biwabik, MN, we're here to partner with you every step of the way. Contact us at (218) 865-6143 to learn more about how we can support your business journey!

Comprehensive List Of Services

Accessing Your Accounts

For your convenience, we offer various ways to access your accounts. Visit us at our branch for basic drive-thru banking services ideal for quick deposits or withdrawals without leaving your car. Prefer ATMs? We have one available for easy cash withdrawal and balance checks. Our commitment doesn't stop at traditional banking hours; we strive to be accessible when you need us most. With online banking capabilities and person-to-person payment options, managing your finances has never been more straightforward. We invite you to reach out with any questions or visit us at our Biwabik location! Call us at 218-865-6143 to learn more about how Northridge Community can support your financial journey today.

Business Banking Solutions

If you're running a business, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are crafted to support local entrepreneurs like yourself. Whether you're looking for financing or need assistance managing cash flow, we're here to help your business thrive.

Personal Banking Made Easy

When it comes to personal banking, we understand the importance of convenience and flexibility. Our checking and savings accounts offer competitive rates and user-friendly online banking features. Imagine managing your finances from the comfort of your home checking balances, transferring funds, or paying bills with just a few clicks. With our mobile banking app, you can stay connected to your money anytime, anywhere. For those considering a new car or perhaps a reliable used vehicle, our auto loans and vehicle financing options make it easier than ever to drive off in style without breaking the bank. We also provide mortgage loans and refinancing solutions that can help turn your dream home into a reality.

Support for Your Financial Journey

Sometimes life throws unexpected challenges your way. That's where our personal loans and debt consolidation options come in handy. We can work with you to find a solution that fits your budget and helps ease any financial stress. Plus, our credit cards with rewards allow you to earn while you spend perfect for everyday purchases or special treats.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check your account balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, managing your money is easier than ever. Plus, our person-to-person transfer feature allows you to send money to friends or family quickly and securely without any hassle. You can also opt for e-statements, which not only help you keep track of your financial activity but also contribute to a greener planet by reducing paper waste. If you're ready to sign documents, our electronic signature authorization makes the process smooth and efficient, allowing you to complete transactions without the need for physical paperwork. For those who prefer mobile banking, our user-friendly mobile application offers all the features of online banking right at your fingertips. You can make payments, view transactions, and manage your accounts directly from your smartphone. While we currently don't support mobile payments through apps like Apple Pay or Google Pay, our services are designed to provide all the necessary tools for effective banking.

Safe & Accessible

Security is a top priority at Northridge Community. We use advanced encryption technology to protect your personal information and ensure that all transactions are secure. Our user-friendly interface makes it easy for everyone regardless of tech-savviness to navigate their accounts effortlessly. In summary, whether you're looking for real-time account management or simply want the peace of mind that comes with secure banking, Northridge Community has you covered. Experience the ease of digital banking today!

Financial Strength

At Northridge Community, 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 are proud to share our financial health with you, reinforcing our commitment to being a reliable partner in your financial journey. With a net worth of $13,502,759, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.42% 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 $11,846,925 in share certificates and $3,232,032 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $13,184,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $11,213,839 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our robust lending capacity is reflected in the $85,299,347 in total loans and leases available to support your financial goals across various sectors. This includes 992 used auto loans, which demonstrate our commitment to helping you achieve your dreams of vehicle ownership. Our operational efficiency is highlighted by a net income of $1,170,013, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 30 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at an impressive 15,799, showcasing a strong and growing member base that trusts us with their finances. Our Net Shares (Funds available for lending and investments) amount to $3,022,868, reflecting our ability to support community needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Northridge Community is your trusted partner. Visit us at 222 Main St S Biwabik MN 55708 or call 218-865-6143 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 $12,407,343 in used vehicle loans and $3,037,637 in new vehicle loans already helping members get on the road. We provide financing options that can help you drive away in the vehicle you want without breaking the bank.

Business Loans

For business owners, our outstanding commercial loans totaling $2,826,139 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to improve an existing one, we have tailored solutions to support your business ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,381,871, make buying or refinancing simple. We provide personalized service to guide you through the process and ensure that you find a mortgage that suits your budget and lifestyle.

Refinancing Options

If you're looking for ways to lower your monthly payments or consolidate debt, we offer refinancing options across many of our products. Speak with one of our knowledgeable representatives at our Biwabik branch located at 222 Main St S Biwabik MN 55708, or call us at 218-865-6143 to learn more about eligibility requirements and how we can help you save money. 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 Northridge Community, we're here to help you navigate your financial journey with confidence!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $34,481 in loans helping members manage their finances effectively. Our credit cards come with various benefits and rewards, allowing you to earn while you spend.

Loan Aggregator

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NORTHRIDGE COMMUNITY CREDIT UNION