Northridge Community Credit Union Virginia MN | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Northridge Community, your trusted partner in financial well-being since 1957. Nestled at 921 17Th St S, Virginia, MN 55792, we are dedicated to serving our community with personalized banking solutions tailored to meet your unique needs. With a strong foundation built on trust and reliability, we proudly support over 7,500 members and manage assets totaling $108,691,173. At Northridge Community, we understand that your financial journey is important. That's why we offer a variety of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our commitment to our members is reflected in our total deposits of $5,794,740 and a net worth of $13,502,759. Our experienced team is here to help you navigate through life's financial milestones with ease. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be directed to the same address: 921 17th St S, Virginia, MN 55792. You can reach us at (218) 748-2609 or send a fax to (218) 225-3308. Led by our CEO Nicholas Mathiowetz and Board President Ryan Rediske, our team of 33 employees is committed to providing you with exceptional service and support. We take pride in being an integral part of the Virginia community and strive to make a positive impact through every interaction. Join us today and discover how Northridge Community can help you achieve your financial goals! Visit our website at nrccu.org for more information or stop by during our lobby hours: Monday through Friday from 9 AM to 4:30 PM and Saturday from 9 AM to 12 noon. Your financial future awaits!

Branch History & Mission

Join Us

As we continue to grow and serve the Virginia community, we invite you to become part of our family at Northridge Community. Experience firsthand the benefits of membership where your financial wellness is our top priority. For more information on how to join or explore our services further, visit us online at Northridge Community or call us at 218-748-2609 today!

Our Journey

Since our inception, Northridge Community has been committed to empowering individuals and families through responsible financial services. We started with a mission to provide affordable banking options and foster community well-being. Over the years, we have adapted to meet the changing needs of our members while maintaining our core values of integrity, service, and community support. Our growth reflects our dedication to providing valuable financial solutions from personal checking and savings accounts to auto loans, mortgages, and business banking services. As technology has advanced, so have we; today, we offer online banking and mobile applications that make managing your finances easier than ever.

Our Mission

At Northridge Community, our mission is simple yet profound: to enrich the lives of our members by providing exceptional financial services and fostering community development. We believe in supporting local initiatives and partnerships that uplift those around us. Whether it's through educational workshops or sponsorships of local events, we strive to make a positive impact in Virginia and beyond. While members can visit us at 921 17Th St S, official correspondence should be sent to 921 17th St S, Virginia, MN 55792. With operating hours Monday through Friday from 9 AM to 4:30 PM and Saturday from 9 AM to 12 PM, plus convenient ATM access and drive-thru banking services available during these times, we are here when you need us.

Branch Location & Accessibility

Getting Here and Parking

When visiting us, you'll find ample parking available, making it simple to pop in and out. Our branch is also designed with accessibility in mind, featuring ramps and ADA-compliant facilities to ensure everyone can visit us comfortably.

Operating Hours

We understand that life can be busy, so our lobby is open Monday through Friday from 9 AM to 4:30 PM, with extended drive-thru hours from 8 AM to 5 PM on weekdays. Plus, we are here for you on Saturdays from 9 AM to noon, offering flexibility to fit your schedule.

Reach Out Anytime

If you have questions or need assistance, don't hesitate to give us a call at 218-748-2609. We're here to help you navigate your financial journey with ease. Come visit us today and see how we can make banking simpler for you!

Services Offered

At Northridge Community, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is ready to assist you. We also have ATM access for quick cash withdrawals and basic transactions, alongside convenient drive-thru service for those on the go. While members can visit us at our branch address for all their banking needs, any official correspondence should be sent to the same address: 921 17th St S, Virginia, MN 55792.

Member Eligibility

At Northridge Community, we believe in building a welcoming and supportive community for our members. Becoming a part of our family is easy and open to many! If you live, work, worship, or attend school in Virginia, MN, you're already eligible to join us. Our doors are open to those who want to benefit from our range of services designed to help you thrive financially. By becoming a member at Northridge Community, you gain access to personalized banking options, competitive rates on loans, and the convenience of online banking all tailored to meet your unique needs. To get started, simply visit us at 921 17Th St S, Virginia, MN 55792, or give us a call at 218-748-2609 for any questions you might have about membership. You can also check out the detailed eligibility criteria here. When you're ready to open an account, head over to our account opening page here and start your journey with us today!

Business Banking & Commercial Services

Driving Economic Growth

With an outstanding commercial loan portfolio of $2,826,139, we continue to drive economic growth by financing new and expanding businesses. Our dedicated team is here to guide you through the lending process, ensuring you find the right fit for your financial needs.

Merchant Services

In addition to loans, we offer comprehensive merchant services that help streamline payment processes for your business. From accepting card payments to managing transactions efficiently, our tools are designed to keep your cash flow steady and your customers happy. Reach out today at (218) 748-2609 or visit us at 921 17Th St S Virginia Mn 55792 in Virginia, MN. Let's work together to turn your business goals into reality!

Tailored Loan Solutions

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. This financial backing has enabled many entrepreneurs to invest in new equipment, hire staff, and enhance their operations. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that adapt to different business models.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash in a hurry? Our ATM services provide quick access for withdrawals and balance checks without stepping inside the branch. Prefer face-to-face service? Our drive-thru banking option allows for deposits, withdrawals, and simple transactions without leaving your car. At Northridge Community, we're committed to making your financial journey smooth and supportive. If you're ready to take the next step toward achieving your financial goals or simply want more information about any of our services, don't hesitate to reach out at 218-748-2609 or visit us online at nrccu.org. We're excited to help you on your path to success!

Business Banking Solutions

For our entrepreneurial members, we understand the importance of reliable financial support. Our business banking services include merchant services and business loans designed to help you grow your business efficiently. Whether you're starting small or expanding an existing venture, we've got your back.

Credit Cards and Rewards

Shopping just got more rewarding! With our credit cards with rewards, you can earn points or cashback on everyday purchases. This means that each swipe brings you closer to exciting rewards while also benefiting from competitive rates.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking features. Access your accounts anytime from anywhere! You can check balances, transfer funds, and even pay bills with just a few taps on your smartphone. Plus, our person-to-person payment service allows you to send money quickly and easily to friends and family.

Personal Banking

Our personal banking services are designed with you in mind. We offer various checking and savings accounts that cater to different financial goals. If you're planning to purchase a new vehicle, our auto loans and vehicle financing options can help turn that dream into reality. Perhaps you're considering buying a home? Our mortgage loans and refinancing solutions make navigating the housing market easier than ever. For those unexpected expenses or projects, our personal loans and debt consolidation products provide flexible options to help you regain control of your finances.

Digital & Online Banking

Convenient Online Banking Services

Our 24/7 online banking services give you the freedom to check balances, transfer funds, and pay bills right from the comfort of your home or on-the-go. Whether it's day or night, your financial information is just a click away. Plus, with e-statements available, you can easily keep track of your transactions while helping the environment by going paperless. Need to send money to a friend? Our person-to-person transfers make it simple and quick. Just a few taps on your mobile device or computer, and you're done! If you're worried about security, rest assured that we offer electronic signature authorization, ensuring that your transactions are safe and secure.

Mobile Application for On-the-Go Banking

For those who prefer managing their finances through their smartphones, our dedicated mobile application is perfect for you. It's designed with ease-of-use in mind, allowing you to deposit checks, view account details, and even make payments right from your pocket. While we currently do not support mobile payments, our app still provides all the essential features you need. In today's fast-paced world, having control over your finances shouldn't feel overwhelming. At Northridge Community, we're here to provide the tools you need for real-time account management with accessibility that fits seamlessly into your life. Explore all these features and more by visiting us at https://nrccu.org/ 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 understand that in today's uncertain times, you need a trusted partner to help you navigate 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. In addition to our strong capital position, we have $11,213,839 in undivided earnings that we reinvest into innovative banking tools and stronger lending options. This commitment allows us to enhance our services while keeping your finances secure. Our lending capacity is robust with $98,299,347 in total loans and leases, including 992 used auto loans to support your financial goals across various sectors. Our operational efficiency is reflected in our impressive 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. With 15,799 total share accounts, we show 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 921 17Th St S Virginia MN 55792 or call 218-748-2609 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. We have already issued over $12,407,343 in used vehicle loans and $3,037,637 in new vehicle loans, helping our members get on the road with confidence. Our team is ready to assist you in finding the perfect loan that fits your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $2,826,139 provide the capital needed to grow and expand. We understand the challenges of running a business and are here to support you every step of the way.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $34,481 in loans helping members manage their finances effectively. This option is great for those who need quick access to funds while enjoying the benefits of lower interest rates.

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 competitive rates and flexible terms to ensure you can secure the home of your dreams without stress.

Refinancing Options

If you're considering refinancing any existing loans, our knowledgeable staff can help guide you through eligibility options tailored to your financial situation. This could potentially save you money on monthly payments or reduce overall interest costs. At Northridge Community, we believe in empowering our members through education and accessible financial services. You can trust us to provide transparent information as you explore your borrowing options. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you have any questions or would like more information about our loan offerings, feel free to reach out at (218) 748-2609 or visit us at our branch located at 921 17Th St S Virginia Mn 55792 in Virginia, MN. We're here to help!

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. Each listed loan option comes from legitimate financial institutions, which fosters trust and reliability in the comparison process.

NORTHRIDGE COMMUNITY CREDIT UNION