Northridge Community Credit Union Ely MN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Northridge Community at our Ely Office, where we take pride in serving our members with integrity and commitment. Established in 1957, we have grown alongside our community, now boasting a membership of over 7,500 individuals who trust us with their financial needs. Located at 1321 E Sheridan St, Ely, MN 55731, our branch is not just a place for transactions; it's a hub for building relationships and fostering financial wellness. As a member-owned institution, we focus on providing personalized services tailored to your needs. With total assets reaching an impressive $108,691,173 and total deposits of $5,794,740, we are well-equipped to offer a variety of financial solutions. Our offerings include everything from checking and savings accounts to auto loans and mortgages, ensuring you have access to the tools you need for financial success. While you can visit us at our Ely location, please note that official correspondence should be sent to the same address: 1321 E Sheridan Street, Ely, MN 55731. Our dedicated team of 33 employees, led by CEO Nicholas Mathiowetz and Board President Ryan Rediske, is here to assist you during our lobby hours from 9 AM to 4 PM, Monday through Friday. At Northridge Community, we understand the importance of community involvement. Our net worth stands at $13,502,759, reflecting our strong commitment to responsible lending and investment practices that benefit both our members and the local economy. Whether you're looking for personal loans or business banking solutions including a net member business loan balance of $2,513,100 we're here to support your aspirations. Ready to experience the Northridge difference? Call us today at 218-365-3297 or visit our website at nrccu.org for more information on how we can help you achieve your financial goals. Join us in building a brighter future together!

Branch History & Mission

Welcome to the Northridge Community, where our roots run deep in Ely, MN. Established in 1957, we have proudly served our members for over six decades. Our branch, located at 1321 E Sheridan St, Ely, MN 55731, has been a cornerstone of the community, supporting local families and businesses as they pursue their financial goals. From humble beginnings, Northridge Community has grown significantly. Today, we serve 7,537 members and manage total assets of approximately $108,691,173. This growth is a testament to our commitment to providing exceptional service and financial products that truly meet the needs of our community. At Northridge Community, our mission is clear: we strive to empower our members through accessible financial services while fostering a spirit of community support. We believe that everyone deserves a chance to achieve their dreams whether it's buying a home, financing a vehicle, or starting a business. Our comprehensive range of services includes personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. While members can visit us at 1321 E Sheridan St, official correspondence should be sent to 1321 E Sheridan Street, Ely, MN 55731. Our dedicated team is here Monday through Friday from 9 AM to 4 PM, ensuring you receive the help you need when you need it. Northridge Community embraces digital advancements by offering online banking and mobile applications for your convenience. We are proud to provide ADA-compliant facilities that make banking accessible for everyone. Furthermore, our commitment to community extends beyond transactions; we actively engage in outreach programs that support local initiatives and partnerships aimed at enhancing the quality of life in Ely. As we look toward the future, we invite you to join us on this journey. Experience the difference at Northridge Community where your financial wellbeing is our priority. Together, let's build a brighter future for ourselves and our community. Reach out today or visit us at our branch; we can't wait to welcome you! For more information or assistance, feel free to call us at 218-365-3297 or explore our website at Northridge Community. Join us and become part of something special!

Branch Location & Accessibility

Convenient Access and Features

At Northridge Community, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring everyone can navigate comfortably. Plus, ample parking is available right outside, making your visit hassle-free. While our physical address is where you'll find us for all your banking needs, official correspondence should be sent to the same address: 1321 E Sheridan Street, Ely, MN 55731.

Join Us Today!

We invite you to visit Northridge Community and discover how we can support your financial journey. If you have any questions or need assistance before your visit, feel free to give us a call at 218-365-3297. We look forward to welcoming you soon!

Operating Hours

We're here for you Monday through Friday from 9 AM to 4 PM. Our team is ready to assist with a variety of services tailored to meet your financial needs. Whether you're looking for personal banking solutions like checking and savings accounts or exploring auto loans and mortgage options, we have something for everyone.

Services at Your Fingertips

You'll also enjoy the convenience of our ATM on-site, allowing you to withdraw cash or check balances easily. While we don't currently offer drive-thru service, our friendly staff is always on hand to help you with any inquiries or transactions inside the branch. For those who prefer online banking, we provide user-friendly digital services that allow you to manage your finances from anywhere.

Member Eligibility

Joining the Northridge Community is like becoming part of a family that truly cares about your financial well-being. At our branch located at 1321 E Sheridan St, Ely, MN 55731, we welcome individuals who live, work, worship, or go to school in our community. Whether you're looking for a checking account, savings options, or loans tailored to your needs, we make it easy for you to become a member. You can find more detailed eligibility criteria and information on how to join by visiting our website at Northridge Community. If you're ready to take the next step toward membership, opening an account is straightforward! Just check out our account opening page at Account Opening or give us a call at 218-365-3297. We're excited to help you start your journey with us!

Business Banking & Commercial Services

Lending 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. - 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 today's fast-paced world, having reliable merchant services can make all the difference. Imagine processing payments seamlessly while keeping track of your sales effortlessly. Our solutions help streamline transactions, allowing you to focus more on what you do best running your business. Located at 1321 E Sheridan St Ely Mn 55731 in Ely, MN, we're here to partner with you on your journey toward success. Contact us at (218) 365-3297 to learn more about how our business banking and commercial services can empower your enterprise!

Comprehensive List Of Services

Business Banking Made Easy

For entrepreneurs and small business owners, we offer business banking solutions including merchant services and business loans. We know how important it is for businesses in Ely to have access to reliable financial support, and we're here to help you thrive.

Convenient Access and Support

Accessibility is key in today's fast-paced world. That's why we provide essential ATM services for cash withdrawals and balance checks right here in Ely. With our online and mobile banking features, managing your accounts is just a few clicks away from the comfort of your home or on-the-go. If you're ready to explore all that Northridge Community has to offer or if you have any questions about our services, don't hesitate to reach out! Call us at 218-365-3297 during our lobby hours from 9 AM to 4 PM on weekdays. Let us help you take the next step toward achieving your financial goals today!

Credit Cards with Benefits

Don't forget about our credit cards with rewards! They're perfect for those who want to earn while they spend. Whether you're planning a trip or just doing your everyday shopping, our rewards program allows you to get something back every time you use your card.

Financing Your Dreams

When it comes to making significant purchases like vehicles or homes, Northridge Community offers a variety of loan options tailored just for you. From auto loans and vehicle financing to mortgage loans and refinancing options, we strive to provide competitive rates that make these big decisions feel more manageable. Need some extra cash? Our personal loans and debt consolidation services can help you regain control over your finances.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, we have options that fit your lifestyle. Our personal banking services are designed to meet your everyday needs, ensuring you have access to your funds whenever you need them. Imagine having the peace of mind that comes with knowing your money is safe and easily accessible through our online and mobile banking platforms.

Digital & Online Banking

Convenient Services at Your Fingertips

Our 24/7 online banking services allow you to check balances, pay bills, and transfer money with just a few clicks. Whether you're at home or on the go, you'll have real-time access to your accounts. Plus, our mobile application makes it even simpler to manage your finances right from your smartphone. You can download it today and experience the convenience firsthand!

Secure and User-Friendly Experience

Security is a top priority for us. Our electronic signature authorization feature makes signing documents safe and straightforward, ensuring that your transactions are protected. Additionally, you can choose to receive e-statements, which not only helps you stay organized but also reduces paper waste it's good for both you and the environment!

Stay Connected with Peer-to-Peer Transfers

Need to send money quickly? With our person-to-person transfers, you can easily send funds to friends or family without any hassle. Just another way Northridge Community is here to support you in your everyday financial needs. While we currently do not offer mobile payments, we're committed to enhancing our digital services continuously. Explore all these features and more by visiting us online at https://nrccu.org/ . At Northridge Community, we're dedicated to providing convenient banking solutions tailored just for you!

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 understand that knowing your credit union is financially strong can give you peace of mind, and we are proud to share our solid foundation with you. 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 $1,242 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 lending capacity supports members' financial goals across various sectors with $992 in used auto loans and $85,299,347 in total loans and leases. Our operational efficiency is reflected in our $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, committed team. Total Share Accounts: 15,799 show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $3,022,868 further demonstrate our commitment to providing excellent service while ensuring financial strength. 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 1321 E Sheridan St Ely Mn 55731 or call (218) 365-3297 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 flexible terms and competitive rates to ensure you can drive away with confidence.

Commercial Loans

For business owners, our outstanding commercial loans totaling $2,826,139 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or increase your working capital, our team is here to support your business ambitions.

Credit Lines and Unsecured Credit Card Loans

If you need additional flexibility for unexpected expenses or everyday purchases, our total credit lines available amount to $16,750,000. We also offer flexible terms on unsecured credit card loans, with a total of $34,481 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,381,871, making it easier for you to invest in your future.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our various products, we encourage you to reach out. Our knowledgeable staff at Northridge Community can guide you through the process and help find solutions tailored specifically for you. You can visit us at our branch located at 1321 E Sheridan St Ely Mn 55731 or give us a call at 218-365-3297 during our lobby hours from 9 AM to 4 PM Monday through Friday. We invite you to explore how our diverse loan offerings can empower you on your financial journey. 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 towards achieving your financial dreams!

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NORTHRIDGE COMMUNITY CREDIT UNION