Project Elf

Project Elf is a program at Mesabi East where a group of high school students raise money through donations to help less fortunate families within our school district have a brighter holiday season. With the funds raised, the students hope for items on a list of “needs” and “wants” for each child provided by the parents. The program facilitator takes a small group of students to shop for the families. The students are given a budget and purchase the needs of the children first and then with the remaining funds they will get some of the wants on the list. The students do an amazing job of working with the budget they are given and making the decisions that will allow the budget to stretch, giving the children as much as possible. The value of this program is really two fold. We are able to help many of our students receive basic needs that they may have a Christmas time and it also teaches those who volunteer the importance of becoming involved in their community.

Project Elf is funded strictly through the generosity of various companies, civic organizations, church groups, and individuals in our communities in the form of monetary donations, gift items, food and other items needed. There is no overhead cost for this program and every donation received goes to the children. Project Elf has been successful by seeing the same students wanting to volunteer each year as well as many new students who want to get involved. Also, we have many who are repeat donors who give generously each year and continue to support this program to ensure its success. The greatest moment is when we have a past recipient become a donor to the program. There is no greater gift than to see it come full circle for some people!

Together, East Range Rotary and NorthRidge are matching every $1 up to $1000!! Donations are accepted at any NorthRidge location until December 15th!

Skip a Pay & Holiday Loan

Everyone Could Use a Little
Extra Cash for Holiday Shopping….

As a member in good standing, NorthRidge Community Credit Union (NRCCU) can provide you with that extra cash. Our Holiday Skip-A-Pay program allows you to choose one month to defer your current loan payment(s) allowing you to spend the money that would have been used as your loan payment(s) on anything you wish.

Want to know if you qualify?

If any of these apply, you may be eligible for the Skip-A-Pay Program:

    • Loans are current.
    • Payment history shows current for the past 6 months.
    • Your loan is older than 6 months.
    • You have not skipped your loan payment in 6 months.
    • You must have current, full coverage insurance on your collateral. If you have collateral protection insurance added you do not qualify. Maximum Skip-A-Payments is 6 for the life of the loan. When a payment is skipped, the interest on your loan will continue to accrue.

 

Get up to $2000 for your Holiday Spending!

We are here to offer members a chance for a little extra spending cash. Need a vacation? Travel money to see your family? Gifts for you or your family? Bring in a current paystub and borrow up to $2000 this season at 6.99% over 18 months. Please note that members are subject to credit checks and must meet the underlining requirements for approval. Contact a loan officer and your local branch for more information!

To participate in the Holiday Skip-A-Pay, simply complete, sign and return the Skip-A-Pay Application to NRCCU 15 days prior to the due date. If you have any questions about Skip-A-Pay or Holiday Loan, contact our office today at 1-877-NRCCU4U (1-877-672-2848).

There is a $40 processing/administrative fee per loan to participate.

Fall Facebook Contest – Win a Leaf Grabber Kit and a Bluetooth Beanie!

NorthRidge is having a Facebook Contest and you’re invited to take part!

Head on over to our page — https://www.facebook.com/nrccu/ — and look for a post just like this one.

Like, Share and Comment on the post for a chance to win this excellent prize!  Get rid of those leaves with this collapsible leaf bag and hand scoops, while listening to Music on this Bluetooth Beanie! Make sure you tell us what your favorite thing about fall or favorite activity is, this time of year and Good Luck!

  • POP UP LAWN LEAF BAGS are the perfect solution for fast yard or garden clean up! Unlike paper leaf bags, or garbage or trash bags, our pop up yard waste bags stand tall while you scoop in leaves.
  • COMES WITH 2 LEAF GRABBERS Using leaf scoops is the easiest and quickest way to fill a reusable garden bag. Just slide your hands in the straps and your grabbing capacity more than triples. Works great for spreading mulch too!
  • GREAT FOR WET LEAVES – Our heavy duty yard bags easily handle wet leaves. Leaf scoops keep your hands dry and clean while filling your reusable leaf bag.
  • 32 GALLON CAPACITY Leaf bag stands a roomy 23.5 inches tall and 19.5 inches in diameter without threading extra straps or support systems for stability. Our collapsible leaf bag product is easy to close with 2 helpful latches near the bottom. Use either of the 2 handles to hang your flat garden bag until your next round or garden or yard work.
  • COMES WITH A 1 YEAR MANUFACTURER’S WARRANTY which can only be provided by Fern and Foliage. If you are not satisfied with your purchase for any reason, contact us directly for a full refund or replacement for 1 year. So with that guarantee, give our lawn bags & leaf scoops a try today and make clean up easy this year!
  • Bluetooth headphones & beanie hats integrated – Nice double knit hats with 2 wireless Bluetooth speakers positioned to both sides, an ideal hands free Bluetooth gadget with multiple functions(handling calls, Siri function, volume control, etc.), providing you acoustic pleasure and warmth at the same time.
  • Decent and comfy hats – simple design, black/grey/blue optional, made of 88% cotton and 12% spandex, soft, warm, and cozy, a stretchy sleep headphone of great fit for most sizes, washable after removing the headphones.
  • Stereo sound of good quality – Adopting the latest BluetoothV4.1 technology, with a nice layer of double knit clothes of cotton isolating outer cold air and noise, you can immerse yourself in its stereo sound and stay concentrated for a bedtime reading/music/live show, or use it as sport headphones for runs, jogging, winter walks, skiing, gardening, fishing, camping, traveling, etc.
  • V4.1 Bluetooth headset – The beanie hats work smoothly with almost all Bluetooth devices(iPhone, Android, tablet, kindle, etc.), wireless Bluetooth transmission range can reach up to 33ft(without any blocking).
  • Durable battery life – supporting USB charging, playtime 4-5 hours, stand-by time 3-4 days and quick charging time of 2 hours.

 

 

Try the NorthRidge Mobile App

Tired of waiting to get to a computer to check your account?

Download the Northridge Mobile App and discover the convenience of mobile banking!

iPhone

Android

Celebrate the Ely branch Grand Reopening Wednesday through Friday

Celebrate the Ely branch Grand Reopening Wednesday through Friday

NorthRidge Community Credit Union is proud to announce the Grand Reopening of its Ely Branch on Wednesday with a ribbon-cutting ceremony to begin at 11:30 a.m. at the offices on 1321 E. Sheridan St.

The Ely office remodel and expansion, managed by Gruba Construction of Ely, is designed to serve NorthRidge’s growing membership.

We’d like to thank Log Cabin Coffee of Ely and the Ely Farmer’s Market for food, drink and prizes for the celebration, which continues through Friday. Prizes will include a handmade woven rug, honey, wild rice and more.

NorthRidge Community Credit Union is a progressive, family-oriented, member-owned and -operated financial organization offering financial security, a broad range of personalized financial services and competitive rates on savings and loans.

With offices in Ely, Virginia, Hoyt Lakes and Biwabik, NorthRidge serves members who live, work, or worship in St. Louis County, Lake County, or Itasca counties.

For more information go to nrccu.org.

You may have been affected by the Equifax data security breach

On Thursday, Sept. 7, the Equifax credit reporting agency reported that sensitive files on more than 143 million Americans were hacked in a data security breach.

NorthRidge hasn’t been notified that any members’ data was stolen, but Equifax is the primary credit reporting agency for the central United States. With so many Americans affected, it’s likely that some NorthRidge members’ information was compromised.

Hackers may have gotten access to the addresses, birth dates, driver’s license numbers and Social Security numbers of these individuals, which can then be used to apply for loans and credit cards, open banking accounts and more.

Check your file at Equifax

Officials are urging everyone to check a website set up by Equifax to see if their information was breached or not:

https://www.equifaxsecurity2017.com

At the top of the Equifax page, a gray box reads “To enroll in complimentary identity theft protection and credit file monitoring, click here.” The “here” link takes you to a page asking for your last name and the last six digits of your Social Security number. Fill out the form as requested. Be advised that the site has been down recently due to the large volume of users.

Once confirmed, you can then sign up for TrustedID Premier, which provides free copies of your report, lets you “lock it to make fraud more difficult, scans the internet for your SSN and offers identity theft insurance. Note: some outlets have reported that signing up for such services waives your right to sue Equifax later. This is not accurate. Signing up does not waive your right to later sue in a dispute with Equifax over this breach.

You should also:

  • check your credit report for unusual activity using TrustedID Premier or the website https://www.annualcreditreport.com.
  • consider placing either a fraud alert or credit freeze on your accounts. A fraud alert will cover the other two credit reporting agencies (Experian and TransUnion) and require creditors to take an extra step to verify it’s really you requesting new credit. A credit freeze is an even stronger level of identity theft protection.
  • keep close watch on your credit card and bank accounts for activity you didn’t originate. If you find fraud, notify your bank or creditor promptly.

The Federal Trade Commission has written an article with additional advice for those who may have been affected by this breach:

https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do

As always, NorthRidge Community Credit Union will work hard to assure the security and safety of member accounts. We stand ready to assist any members who are negatively affected by this or other security breaches.

Thank you,

Nicholas Mathiowetz
CEO/President, NorthRidge Community Credit Union

NorthRidge Wins Member Service Award

NorthRidge Wins Member Service Award

NorthRidge Community Credit Union has been honored with a 2017 Dora Maxwell Philosophy in Action Award. The award, sponsored by the Minnesota Credit Union Network (MnCUN) and the Credit Union National Association (CUNA), recognizes credit unions for their application of the credit union philosophy of ‘Serving the Underserved’.

NorthRidge was honored for the Relationship Lending program, which encourages staff to look past the credit score and to get to know the member and their unique situation. Credit unions who received the award have demonstrated the practical application of the credit union philosophy within the actual operations of the credit union.

Their winning entry will advance to the national competition, where it will compete with other projects from credit unions in other states that focus on enacting the credit union philosophy.

The award is named in honor of Louise Herring, an active supporter, organizer and champion of credit unions. She was the Ohio delegate to the 1934 national credit union conference in Estes Park, Colorado, where she signed the original constitution for a national credit union association. Herring believed that credit unions should work in a practical manner to better people’s lives. She saw the credit union as more than just a financial institution. In her own words, “The purpose of the credit union is to reform the financial system, so that everyone can have his place in the sun.”

62nd Annual Hoyt Lakes Carnival

The NRCCU staff had a great time hosting the Kids Races & Sand Pile at this past weekend’s 62nd Annual Hoyt Lakes Carnival!

Check out the photos!

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Ely Expansion

Creating a new NorthRidge for you!

 
We’re in the process of expanding and remodeling our Ely Branch. But don’t worry, we’ll be open through the entire construction process.

We are planning a Grand Opening celebration in late August / early September. Once we set a date, we’ll let you know via FB first, so please be sure you Like our FB page!

And keep checking the blog for updated posts on our progress.

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