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

Introduction

Welcome to Northridge Community, your trusted financial partner located at 283 Kennedy Memorial Dr, Hoyt Lakes, MN 55750. Established in 1957, we have been dedicated to serving our community and providing exceptional financial services for over six decades. With a strong membership base of 7,537 members, we take pride in being a cornerstone of support for families and businesses alike. At Northridge Community, our total assets have grown to an impressive $108,691,173, reflecting our commitment to stability and security. We understand that financial health is crucial for our members, which is why we offer a variety of services tailored to meet your needs whether you're looking for personal banking options, auto loans, or business financing solutions. Currently, our members benefit from total deposits amounting to $5,794,740 and a robust loan portfolio with 4,913 loans and leases available. Our leadership team, led by CEO Nicholas Mathiowetz and Board President Ryan Rediske, believes in fostering a culture of community engagement and trust. Our dedicated staff of 33 employees works diligently to ensure that every member receives personalized service and attention. Whether you visit us in person or connect through our website at nrccu.org, we are here to help you achieve your financial goals. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to PO Box 200, Hoyt Lakes, MN 55750. We invite you to explore the many ways Northridge Community can assist you on your financial journey. Call us today at 218-471-2121 or stop by during our lobby hours from Monday to Friday between 9 AM and 4:30 PM. Let us show you how we can make a positive impact in your life!

Branch History & Mission

Welcome to the Northridge Community branch, a cornerstone of financial support and community growth in Hoyt Lakes, Minnesota. Established in 1957, our branch has proudly served as a trusted partner for individuals and families, helping them navigate their financial journeys with care and commitment. Over the years, we have grown alongside our members, expanding our offerings and resources to meet the evolving needs of our community. Located at 283 Kennedy Memorial Dr, Hoyt Lakes, MN 55750, our branch is easily accessible for all members. Whether you're visiting us for personal banking or seeking guidance on loans and financial planning, you'll find a welcoming atmosphere where your needs are our priority. While members can visit us at this address for all banking services, official correspondence should be sent to PO Box 200, Hoyt Lakes, MN 55750. At Northridge Community, our mission goes beyond just providing financial services; we are dedicated to enhancing the quality of life in our community. With over 7,500 members and total assets exceeding $108 million, we focus on building strong relationships and fostering financial literacy. We offer a wide range of services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our commitment to customer service is reflected in our operating hours: Monday through Friday from 9 AM to 4:30 PM for lobby services and from 8 AM to 5 PM for drive-thru banking. As part of our ongoing efforts to serve you better, we are equipped with an ATM for easy access to your funds anytime you need them. Furthermore, we maintain ADA compliance to ensure that all members can comfortably access our facilities and services. Our outreach programs aim to support local initiatives and partnerships that uplift our community. By investing in local projects and supporting events that matter to our members, we strive to create a positive impact that extends beyond banking. Join us at Northridge Community! Experience firsthand how we're not just a credit union but a vibrant part of Hoyt Lakes. Whether you're looking for financial advice or simply want to learn more about what we offer, give us a call at 218-471-2121 or visit our website at nrccu.org. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Northridge Community, your friendly neighborhood credit union located at 283 Kennedy Memorial Dr in Hoyt Lakes, MN. Our branch is not just a place to manage your finances; it's a hub for the community, designed with your convenience in mind. Situated near local landmarks and easily accessible from main roads, we're here to serve you. At Northridge Community, we understand that accessibility matters. Our branch features ADA-compliant entrances, ensuring that everyone can enjoy our services comfortably. Plus, there's ample parking available for both members and visitors alike, making your visit hassle-free. We're excited to offer various services tailored to meet your needs. Whether you're interested in personal banking, auto loans, or online banking solutions, our team is ready to assist you. You can even take advantage of our drive-thru service for quick deposits and withdrawals without leaving your vehicle. Our lobby hours are welcoming too! We're open Monday through Friday from 9 AM to 4:30 PM. If you need to stop by early or late in the day, don't worry; our drive-up service operates from 8 AM to 5 PM on weekdays as well. While you can reach us at 283 Kennedy Memorial Dr for all your banking needs, please note that official correspondence should be sent to PO Box 200, Hoyt Lakes, MN 55750 if that applies. For any questions or assistance, feel free to give us a call at 218-471-2121. We look forward to seeing you soon! Your financial journey starts here at Northridge Community come visit us today!

Member Eligibility

Joining the Northridge Community is not just about banking; it's about becoming part of a friendly and supportive family that truly cares about its members. To become a member of our community, you simply need to live, work, worship, or attend school in our service area. It's that easy! We believe in providing opportunities for everyone to thrive, and once you're a member, you gain access to a wide range of financial services designed with your needs in mind. From personalized loans to checking accounts that offer great rewards, our offerings are tailored to help you achieve your financial goals. Ready to take the next step? You can find more detailed eligibility criteria by visiting our website. If you're eager to open an account, just follow this link: Account Opening. If you have any questions or need assistance, feel free to call us at 218-471-2121. We look forward to welcoming you into the Northridge Community!

Business Banking & Commercial Services

At Northridge Community, we understand that every business has unique needs and dreams. Whether you're launching a new venture or looking to expand your existing operations, our business banking and commercial services are designed to help you thrive. Imagine securing the funds needed to upgrade your equipment or open a new location. 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. Additionally, our merchant services simplify payment processing, allowing you to focus on what you do best running your business. From credit card transactions to digital payments, we provide the tools you need for smooth financial operations. Located at 283 Kennedy Memorial Dr Hoyt Lakes Mn 55750 in Hoyt Lakes, MN, we're here to partner with you on your journey toward success. Contact us today at (218) 471-2121 to learn more about how we can support your business goals!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, you'll appreciate our dedicated Business Banking services. From merchant services that streamline transactions to business loans that fuel growth, we're here to support local businesses in thriving.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online and Mobile Banking features. You can check balances, transfer funds, pay bills, and more all from the comfort of your home or on the go. Our ATM services ensure that cash withdrawal is quick and easy whenever you need it.

Credit Cards with Benefits

Our Credit Cards come with rewards that allow you to earn while you spend. Whether it's cashback on groceries or travel points for your next vacation, we have options that fit your lifestyle perfectly.

Drive-Thru and ATM Access

For those who prefer face-to-face interactions without stepping inside the branch, our basic drive-thru banking allows for deposits, withdrawals, and simple transactions efficiently. Plus, our ATMs give you access to cash withdrawals and balance checks at any time. At Northridge Community in Hoyt Lakes, we strive to be more than just a credit union; we want to be your financial partner. Our friendly staff is ready to assist you with any questions about our services or how we can help achieve your financial goals. For more information or to get started today, give us a call at 218-471-2121 or visit us online at nrccu.org. Let us help you navigate your financial journey!

Home Financing Made Easy

For those considering purchasing a home or refinancing an existing mortgage, our Mortgage Loans provide competitive rates and personalized service. We understand how significant this investment is, which is why we work closely with you through every step of the process. Additionally, if you're facing debt challenges, our personal loans and debt consolidation options can help simplify your financial life by combining multiple payments into one manageable loan.

Personal Banking Solutions

Whether you're looking to save for a rainy day or manage your daily expenses, our Personal Banking options include both checking and savings accounts. Imagine having a place where your money grows while you enjoy the flexibility to withdraw when needed. Our auto loans and vehicle financing options can help you drive away in the car of your dreams, making it simple to secure the funds you need for that new ride.

Digital & Online Banking

Key Services

With our online banking portal available at https://nrccu.org/ , you can effortlessly check your account balances, transfer funds, and pay bills without stepping foot in a branch. Plus, our mobile application makes it even easier to handle your banking needs right from your smartphone. You'll have access to all your accounts at your fingertips, which means no more waiting in lines or rushing to the bank before closing hours.

Real-Time Management

Need to send money to a friend or family member? Our person-to-person transfer feature allows you to do just that quickly and easily. You can send money directly from your account whenever you need to. And remember, our 24/7 online banking services mean that help is always just a click away. At Northridge Community, we're committed to providing accessible and efficient banking solutions tailored for you. Experience the ease of managing your finances with us today!

Security and Ease of Use

Security is a top priority for us. Our electronic signature authorization feature ensures that your transactions are safe and secure, giving you peace of mind as you manage your money. Additionally, with e-statements available, you can go green while keeping track of your finances without cluttering up your mailbox.

Financial Strength

Member-Centric Savings

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.

Operational Efficiency

Our impressive net income of $1,170,013 reflects our operational efficiency. This enables 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.

Reinvesting in Our Future

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 total loans and leases amount to $85,299,347, which supports members' financial goals across various sectors.

Solid Financial Health

With a net worth of $13,502,759, we maintain robust 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.

Trustworthy Banking Partnership

Net Shares (Funds available for lending and investments): $3,022,868. Total Share Accounts: 15,799, 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, Northridge Community is your trusted partner. Visit us at 283 Kennedy Memorial Dr Hoyt Lakes MN 55750 or call 218-471-2121 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. Whether you're looking for a reliable used car or a brand-new model, our flexible terms can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $2,826,139 provide the capital needed to grow and expand. We are committed to supporting local businesses and helping them thrive in our community. In addition to these offerings, we have options for refinancing that can help you save money on existing loans or improve your financial situation. If you're interested in exploring eligibility options or want more information about any of our products, feel free to reach out to us at (218) 471-2121. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Northridge Community is dedicated to providing you with personalized service and competitive rates. Visit us today or explore our website at nrccu.org to learn more about how we can assist you with your financial journey!

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're here to guide you through the process and help you find a plan that works for you.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $34,481 in loans helping members manage their finances effectively. Enjoy the convenience and peace of mind that comes with having an accessible line of credit.

Loan Aggregator

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NORTHRIDGE COMMUNITY CREDIT UNION - Hoyt Lakes, MN