Business Details
Your Trusted Partner for Financial Solutions in Minnesota
NorthRidge Community Credit Union is a member-owned, not-for-profit financial institution dedicated to empowering individuals and families through personalized financial services. Established to serve the communities of Saint Louis, Lake, and Itasca counties in Minnesota, we prioritize the principles of thrift, accessibility, and community reinvestment. Our team of experienced professionals is committed to providing competitive checking and savings accounts, flexible loan options, and innovative digital banking tools tailored to meet the unique needs of our members. With branches in Hoyt Lakes, Biwabik, Virginia, Hibbing, and Ely, we combine local expertise with modern financial solutions to foster economic growth and financial well-being.As a credit union, our cooperative structure ensures that every member has a voice in our governance, and our earnings are reinvested to enhance services and improve member benefits. We specialize in bridging gaps for individuals with fluctuating credit histories, offering pathways to financial stability through education, transparent lending, and personalized support. Our commitment to the community extends beyond banking, as we actively engage in local initiatives and prioritize ethical practices that align with our mission of people helping people.
Services
Checking Accounts
Savings Accounts
Personal Loans
Mortgage Loans
Online Banking
Mobile App Services
Credit Cards
Bill Pay
eStatements
Round-Up Savings
Highlights and features
- We prioritize personalized service tailored to individual financial needs.
- Our member-owned structure ensures profits are reinvested into community benefits.
- Specialized programs assist members with fluctuating credit histories.
- 24/7 digital banking tools provide convenience and accessibility.
- Local decision-making ensures deep understanding of regional financial landscapes.
Associations and certifications
- NCUA
What people say
Personalized service
Loan approvals for credit challenges
Responsive support
Easy online banking
Community-focused approach
Services
Checking Accounts
NorthRidge offers multiple checking account options, including Evergreen Rewards and Basic Checking, designed for daily transactions and financial flexibility. These accounts provide features like free online bill pay, mobile check deposit, and ATM fee reimbursements. Members benefit from low minimum balance requirements and access to a wide network of shared branches for added convenience.
Personal Loans
Personal loan programs cater to diverse needs, including auto financing, recreational vehicle purchases, and debt consolidation. Flexible terms and competitive rates accommodate varying credit profiles, with dedicated loan officers guiding applicants through the process. Approval decisions prioritize individual circumstances over rigid credit score thresholds.
Online Banking
Secure 24/7 online access enables members to manage accounts, transfer funds, pay bills, and deposit checks via mobile devices. Features include real-time transaction tracking, customizable alerts, and integration with budgeting tools. The platform emphasizes user-friendly navigation and robust security protocols to protect financial data.
Round-Up Savings
This free program automatically rounds up debit card purchases to the nearest dollar, transferring the difference to savings accounts. Designed to promote effortless wealth-building, it requires no minimum balances and works seamlessly with checking accounts. Members can track progress through online banking dashboards.
Mortgage Loans
Residential and commercial mortgage solutions include purchase, refinance, and home equity line of credit (HELOC) options. Local underwriting teams assess applications based on comprehensive financial profiles rather than automated scoring alone. Competitive rates and personalized guidance support homeownership goals across Minnesota.
People
Nicholas Mathiowetz
President/CEO
Nicholas Mathiowetz leads NorthRidge with over 15 years of credit union leadership experience, focusing on community development and financial accessibility. He champions member-centric policies and strategic growth initiatives.
Liz Popp
Vice President of Administration
Liz Popp oversees administrative operations, ensuring efficient service delivery across branches. With a decade in credit union management, she specializes in policy development and member experience optimization.
Becky Elko
Loan Officer III
Becky Elko assists members with loan applications, specializing in personalized credit solutions. Her 12 years of experience focus on helping individuals with non-traditional credit histories achieve financial milestones.
Millie Wells-Boyer
Vice President of Retail Services
Millie Wells-Boyer directs retail operations, emphasizing community engagement and service innovation. She has expanded branch accessibility and digital tool adoption since joining NorthRidge in 2010.
Jodie Silcox
Senior Mortgage Loan Officer
Jodie Silcox specializes in home financing solutions, guiding members through mortgage processes with expertise in local real estate markets. Her 18-year career focuses on first-time homebuyer programs.
Questions
What is NorthRidge's routing number?
NorthRidge's routing number is 291274085 for all transactions.
Are savings accounts insured?
Yes, all savings accounts are insured up to $250,000 by the NCUA.
Can I access banking services outside Minnesota?
Yes, our online and mobile banking services allow access from anywhere.
What loan options are available for those with limited credit history?
We offer tailored loan programs with flexible terms for individuals building credit.
How do I report a lost debit card?
Call 1-833-285-1749 immediately or use the mobile app to freeze your card.
