{"id":371,"date":"2021-09-14T19:42:46","date_gmt":"2021-09-14T19:42:46","guid":{"rendered":"https:\/\/nrccu.org\/?page_id=371"},"modified":"2025-12-05T08:33:50","modified_gmt":"2025-12-05T14:33:50","slug":"financial-hardship","status":"publish","type":"page","link":"https:\/\/dev.wafishermn.com\/nrccu\/resources\/member-resources\/financial-hardship\/","title":{"rendered":"Financial Hardship"},"content":{"rendered":"\n\n\t

Here at NorthRidge, we understand that sometimes our members may face situations in life that cause financial hardship. Our mission as an organization is to lift the burden of financial difficulties from our communities. We can help. We offer solutions, with no judgment.<\/p>\n

Call to meet with a member of our team to discuss what would work best for you, 877-672-2848<\/a>.<\/p>\n\t\t\t\t\tMember Solutions FINANCIAL SUPPORT<\/a>\n\t\t\t\t\t\t\t\t\t\t\tExpand<\/i><\/a>\n\t\t\t\t\t

NorthRidge Member Solutions team is here to help our members through financial difficulties in life. If you cannot afford to make a loan payment this month, if you’re behind on bills, or currently past due on a loan, please contact us. We are here to find solutions that work for you. Email the Member Solutions team at MemberSolutions@nrccu.org<\/a>.<\/p>\n\t\t\t\t\tFinancial Counseling<\/a>\n\t\t\t\t\t\t\t\t\t\t\tExpand<\/i><\/a>\n\t\t\t\t\t

NorthRidge’s team is made up of Certified Credit Union Financial Counselors. We have the knowledge, experience, and tools to help you get through difficult financial situations. Create a budget or a spending plan, understand where your money goes every month, and gain confidence and autonomy in managing your personal finances. Call today to set up an appointment! 877-672-2848<\/a><\/p>\n\t\t\t\t\tDebt Consolidation and Personal Loans<\/a>\n\t\t\t\t\t\t\t\t\t\t\tExpand<\/i><\/a>\n\t\t\t\t\t

Financial hardship can vary in levels of difficulty. No matter your situation, NorthRidge will work with you to help you find a solution. We work with people in all walks and stages of life.<\/p>\n

We offer personal, or unsecured, loans that you may use to cover your expenses short term. NorthRidge has a variety of rates and terms to best meet your needs. You may also consider utilizing a personal loan to consolidate debt. Person loans, or debt consolidation loans, have a maximum term of 60 months and rates will vary depending on your individual situation.<\/p>\n\t\t\t\t\tSkip a Pay Program<\/a>\n\t\t\t\t\t\t\t\t\t\t\tExpand<\/i><\/a>\n\t\t\t\t\t

With our Skip-A-Pay program, NorthRidge allows members to skip three loan payments in a rolling 12-month period (2 in a rolling 6-month period). You must have at least one loan with NorthRidge that has a minimum of three full payments made to it and your loan is in good standing (not more than 29 days past the due date). Other eligibility requirements apply, please call the main desk at 877-672-2848 for more information.<\/p>\n

You can submit a Skip A Pay form easily online by logging into your online banking<\/a>! You may also click here to fill out the form<\/a>, save to your computer, and email to us.<\/a><\/p>\n

Mortgages do not qualify for a skip a payment. If you are concerned about making your mortgage payment, please contact us immediately so we can help.<\/strong><\/p>\n

\n\t\t\tAlternative Resources\t<\/h2>\n\t

If you need additional help but aren’t sure where to find it, you may find some assistance with some of these resources available on the Iron Range. Download a printable copy of this document by clicking here.<\/a><\/p>\n\t

AEOA Services<\/strong><\/p>\n