Business Details
50+ Years
experience
Your Trusted Partner for Financial Services Solutions
Since 1954, Metro North Federal Credit Union has been dedicated to fostering financial well-being through personalized service and accessible financial solutions. Our mission centers on empowering members with competitive lending options, secure savings vehicles, and innovative digital banking tools. With a member-first philosophy, we prioritize individualized attention over impersonal transactions, ensuring every client receives tailored guidance. Our commitment to community development is reflected in our localized decision-making and transparent fee structures. As a not-for-profit cooperative, we reinvest earnings to deliver enhanced services and lower rates.Our experienced team combines decades of expertise with cutting-edge technology to simplify financial management. From share accounts to personal loans, we maintain rigorous compliance standards while prioritizing member education. Our 24/7 online banking platform ensures convenience without compromising security. Through proactive fraud prevention measures and identity theft resources, we safeguard member assets with industry-leading protocols. This enduring dedication to financial empowerment has sustained our reputation as a trusted Jacksonville institution for over six decades.
Services
Share Accounts
Personal Loans
ATM Services
Online Banking
Identity Theft Protection
Details
- Year established: 1954
Highlights and features
- We offer over 65 years of Jacksonville-based financial expertise
- Our member-owned structure ensures transparent, competitive rates
- 24/7 secure online banking with identity theft protection tools
- No hidden fees with clear account terms and disclosures
- Community-focused lending with personalized service approach
Services
Share Accounts
Our share accounts provide secure savings options with competitive dividends. Members benefit from flexible terms, no hidden fees, and FDIC-insured deposits. These accounts serve as the foundation for all credit union services while maintaining liquidity and growth potential.
Personal Loans
We offer personalized personal loans with transparent terms and competitive rates. Our streamlined approval process includes online applications while maintaining responsible lending standards. Loan proceeds can be used for debt consolidation, major purchases, or emergency expenses.
Online Banking
Virtual Branch provides 24/7 account access with real-time transaction monitoring. Features include bill payment, fund transfers, and eStatement management through encrypted connections. This platform reduces branch visits while maintaining full service functionality.
Identity Theft Protection
We implement proactive security measures including transaction monitoring and account alerts. Educational resources cover credit report management and fraud response procedures. Members receive guidance for reporting suspicious activity to regulatory authorities.
ATM Services
Our ATM network provides fee-free cash withdrawals and balance inquiries. Debit card transactions integrate with real-time account updates through secure processing systems. Lost card reporting and replacement services ensure continued access.
People
Dan Jones
President/CEO
Dan Jones leads Metro North Federal Credit Union with over 25 years in financial services. He oversees strategic operations while maintaining member service standards. His leadership emphasizes community engagement and technological innovation.
Christina Fortescue
NMLS# 2161338
Christina Fortescue manages lending operations with specialized expertise in credit assessment. She ensures compliance with regulatory standards while facilitating accessible loan programs. Her focus remains on member financial education and responsible borrowing.
Questions
What membership requirements exist for opening accounts?
Applicants must meet eligibility criteria outlined in our bylaws, including residency or employment connections to Jacksonville. A minimum share deposit establishes membership with full service access.
How does the credit union handle overdraft protection?
We implement a $20 insufficient funds fee for returned items. Members receive three overdraft occurrences monthly before potential share draft restrictions.
What online banking security measures are in place?
Our Virtual Branch uses 256-bit encryption, multi-factor authentication, and real-time fraud monitoring. We never request sensitive information via unsolicited communications.
Can I apply for loans online?
Yes, our Online Approval system processes personal loan applications 24/7. Qualified applicants receive immediate decisions with optional in-branch finalization.
What identity theft resources are available?
We provide credit bureau contact information, fraud reporting guidance, and account monitoring tools. Members receive step-by-step assistance for compromised information scenarios.
How are dividend rates determined for savings accounts?
Rates reflect current market conditions and are posted quarterly. Early withdrawal penalties apply to term share accounts, with specific terms disclosed during account opening.
