Loans

Auto Loans

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Rates as low as 1.98% APR with Deals on Wheels!

Purchase or refinance a 2009 or newer car, truck or van for an amount of $5,000 or more and receive a great interest rate, affordable terms, and a fabulous car care package!  With rates as low as 1.98% APR*, now is the time to buy or refinance an existing auto loan! At loan closing, you will receive this free car care package, which includes:
  • $20 gift card
  • Windshield wash
  • Armor All spray
  • Bugs-B-Gone spray
  • Interior detailing kit
  • Magnetic key holder
  • Car wash coupon
  • NCCU key chain
  • NCCU auto litter bag
  • NCCU ice scraper
  • WI state map
  * Annual Percentage Rate.  APR will vary based upon applicant's credit worthiness and the term of the loan. some restrictions or other rates may apply.  Rates apply to qualified applicants and a down payment may also apply. Rates do not apply to existing Northwoods Community Credit Union balances.  Rates subject to change.

Applying for financing is simple with our online loan application!

Online Loan Application   Printable Application    

We make car shopping easy with our online auto research center!AS_Trust_300x250

       

 

   

Not sure of your credit score? Get your free credit report here.

Looking for car insurance?

NCCU has partnered with CUNA Mutual Insurance to provide our members with discounted rates on car insurance . click here for a free quote!  These insurance products are not federally insured, and are not obligations of the Credit Union, or are they guaranteed by the Credit Union. For more information please contact one of our offices.
Mortgage Financing
dv1584005The American Dream is all about owning your own home. Northwoods Community Credit Union can help you obtain your dream.  Our friendly and experienced lending professionals can help you sort through the financing options and design a mortgage that will fit your financial goals. Most importantly, your mortgage will be handled on a personal basis by people you know and trust. If you are ready to take the next step in owning a home, we encourage you to schedule an appointment with one of our experienced lending professionals to discuss all the options for your home mortgage. Get started today by contacting our lending department at Northwoods Community Credit Union: In Park Falls and Phillips:  (715) 762-3208 In Ashland: (715) 682-9099    Not sure of your credit score? Get your free credit report here.   Calculate your payments Shopping for a Home Loan: Settlement Cost Booklet Consumer Handbook on Adjustable Rate Mortgages    
Home Equity Loans
Fotolia_48617169_Subscription_XLYour investment in your home is worth money in your pocket. Our home equity loans are designed to give you borrowing power for virtually any type of major or minor expense.  You have worked hard to build equity in your home.  Use that equity for home improvements, college tuition, medical expenses or other financial needs. Apply online or contact one of our lending professionals for more information.

Not sure of your credit score? Get your free credit report here.

  Online Loan Application Printable Application       Calculate your payments
Home Equity Line of Credit
Fotolia_19222340_Subscription_XXLWith Northwoods Community Credit Union’s Line of Credit you apply for a loan just one time. Once you are approved you can borrow from this “line of credit” time and time again. You borrow the amount you want (up to your approved limit), when you need it for any purchase. Access to your money is easily accessible by use of your Home Equity Credit Card. It’s that convenient! For a limited time, apply for a Home Equity Line of Credit and we'll waive the $50 processing fee!  Apply online or contact one of our lending professionals for assistance.

Not sure of your credit score? Get your free credit report here.

Online Loan Application Printable Application       view our online disclosure  
Personal Loans
Fotolia_59708181_Subscription_XXLNorthwoods Community Credit Union can work with your changing needs to finance anything.  Are you ready to do some home improvements? Need a family vacation? Or want to consolidate debt and lower your monthly payments? Flexible personal loans are the perfect solution for anyone looking to finance any type of  expense. Let NCCU customize a low interest personal loan plan for you, and use the funds however you wish. Fill out our online application below, or contact one of our lending professionals to assist you!

 Not sure of your credit score? Get your free credit report here.

Online Loan Application Printable Application       Calculate your payments
Business Loans
Fotolia_40548305_Subscription_XLIf you are a locally owned business, let us help you achieve your goals with business loans that offer flexible solutions.  Our loans offer you these great options:
  • Competitive rates
  • Flexible terms
  • Online loan access through our web branch
  • Automatic payment options
Contact your local branch with any questions!   Online Loan Application Printable Application       Calculate your payments
Student Loans
sallie mae                 The Smart Option Student Loan® for Northwoods Community Credit Union by Sallie Mae® for borrowers attending degree-granting institutions. Now you can pay for college the smart way with three great repayment options and competitive interest rates! This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.  to learn more or to apply, please get started here. The Smart Option Student Loan features and benefits:
  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
  • No origination fees and no prepayment penalty
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • 100% US-based Student Loan Specialists
To learn more, please get started here. *We are compensated for the referral of Smart Option Student Loan customers.
Recreational Vehicles
200117715-001 Not everything in life has to be so serious! Working hard for a living has its rewards, and we offer financing to help you and your family enjoy some fun in the great outdoors of Northern Wisconsin.  NCCU offers loan rates as low as 3.45% APR for:        
  • Boats
  • Trailers
  • Campers
  • Motor homes
  • ATVs
  • Jet skis
  You name it, and we can help you own it.  We can offer you traditional financing plans, or check with your tax adviser about the benefits of using a home equity line of credit to buy your toys with.

Online Loan Application Printable Application      

Not sure of your credit score? Get your free credit report here.

   
Kwik Cash
87542824Let's face it.  In life, things come up that we have not planned for.  Our Kwik Cash Overdraft Protection credit line can help protect you against overdrafts and costly charges, up to your approved credit limit.     Contact one of our lending professionals to see if our Kwik Cash Overdraft Protection is a  good fit for you!  

Online Kwik Cash Application

       
Loan Application
Fotolia_53691691_Subscription_XLNCCU makes it easy to apply for all types of loans by using the convenient online application found here, or any one of our lending pages. In addition, loan applications can be picked up at any one of our 3 office locations. We welcome you to make an appointment with one of our lending professionals to discuss your lending needs. DocuSign is available for members who may not be able to come in to an office to sign loan documents. DocuSign enables us to safely and securely offer the capability of electronic signatures for loan closings.

Not sure of your credit score? Get your free credit report here.

For more information about the various credit bureaus click here.

Online Loan Application Printable Application    
Insurance
Fotolia_51856126_Subscription_XLCredit Disability and Credit Life* While you can’t predict an accident, you can plan how you’ll be able to financially handle one should it occur. MEMBER’S CHOICE® Credit Life and Credit Disability Insurance plans offer loan-specific coverage. MEMBER’S CHOICE® Credit Life Insurance is a voluntary coverage that can help reduce or pay off your loan balance, up to the maximum limit, if you or your covered co-borrower pass away. MEMBER’S CHOICE® Credit Disability Insurance is a voluntary coverage plan that helps make monthly loan payments, up to the maximum limit, should you become totally disabled, until you are no longer disabled.   Build a better understanding by visiting or calling today! trustage                 *CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates.  Your purchase of MEMBER’S CHOICE® credit life and credit disability insurance, underwritten by CMFG Life Insurance Company is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.  Certain eligibility requirements, conditions, and exclusions may apply.  Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms.  CDCL-889545.1-0314-0416 Mechanical Repair Coverage (MRC) When buying any vehicle, there is always a chance of having a mechanical breakdown, which can be very expensive to repair.  With a vehicle service contract from Vision Warranty Corporation you can add protection against the unexpected high cost of vehicle repairs, in some cases eliminating the cost altogether.  Our Mechanical Repair Coverage insurance is offered through Vision Warranty Corporation, insured through First Colonial Insurance Company and powered by Auto Exam.  Contact one of our lending professionals for details, or check it out here! Guaranteed Asset Protection (GAP) GAP is total loss protection...and then some.  If your vehicle is stolen or damaged and deemed a total loss, you are responsible to pay the difference between what you owe and what your insurance company says your vehicle is worth.  GAP can help cover the difference and potentially save you thousands of dollars.   Our GAP insurance is offered through VisualGAP® by Frost. ■GAP pays any remaining balance due on your loan beyond what your automobile insurance will pay. ■GAP covers your financing agreement for the entire loan term. ■GAP delivers risk protection from total loss or unrecoverable theft. ■GAP offers generous coverage up to $50,000. ■No separate cash payment is needed – simply add the cost of GAP to your automobile loan. Credit Account Protector (CAP) Offered with our MasterCard, MasterCard Gold, and HELOC programs, this account balance protection pays your credit card account up to $10,000 in the case of disability, death or unemployment. NCCU will not condition the extension of credit on the purchase of an insurance product that the credit union offers. Some restrictions and limits may apply. These insurance products are not federally insured, and are not obligations of the Credit Union, nor are they guaranteed by the Credit Union. For more information please contact one of our offices.