Auto Loans
Keep your vehicle.... Recycle Your Loan!
Not in the market for a new car yet? Bring your existing auto loan to NCCU and we'll give you a great rate, plus a $100 Visa® Gift Card at loan closing!
Rates as low as 1.98% APR!
Contact one of our loan officers today! Member eligibility required. Federally Insured by NCUA. APR will vary based upon applicant’s credit worthiness and the term of the loan. Some restrictions or other rates may apply. For refinance only. Rates do not apply to existing NCCU balances. Vehicle must be 2008 or newer, with $10,000 minimum loan amount. $100 gift card given at loan closing. Rates subject to change. Wondering what your current vehicle is worth? Here's the link to the NADA Car Value Guides!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. click HERE to apply online click HERE to print an application Calculate your paymentsMortgage Financing
The 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.
Finding the right mortgage is essential and you will discover that we offer a wide variety of loan packages, including fixed rate and adjustable products. Our loan professionals will assist you in tailoring the loan to your individual situation, along with offering competitive rates.
Don't think you can afford a home of your own? We are currently offering up to $8,000 to eligible homebuyers to use toward down payment and closing costs. Ask any of our lending professionals about the Downpayment Plus Program* to see if you are eligible.
*Downpayment Plus is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago’s website at www.fhlbc.com for complete requirements. “Downpayment Plus” is a registered trademark of the Federal Home Loan Bank of Chicago.
Not sure of your credit score? Get your free credit report here.
Click HERE to apply online click HERE to print an application Calculate your payments Shopping for a Home Loan: Settlement Cost Booklet Consumer Handbook on Adjustable Rate MortgagesHome Equity Loans
Your 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.
Click HERE to apply online click HERE to print an application Calculate your paymentsHome Equity Line of Credit
With 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.
click HERE to apply online click HERE to print an application view our online disclosurePersonal Loans
Borrow now and take 90 days to make your first payment!
If you could use some extra cash this time of year, NCCU can help! Borrow up to $5,000 and don't make your first payment for 90 days!
Holiday bills, taxes, home improvements, vacation, new ATV or snowmobile... Whatever it is, we can help you finance it with no payments for 90 days!
Fill out our online application below, or contact one of our lending professionals to assist you!
Membership required. Federally insured by the NCUA. Offer is based on approved credit. Some restrictions may apply. This offer is subject to change or end without notice.
First payment due 90days from loan closing. Interest begins accruing when loan is funded.
Not sure of your credit score? Get your free credit report here.
click HERE to apply online click HERE to print an application Calculate your paymentsBusiness Loans
If 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
Student Loans
The Northwoods Community Credit Union* Smart Option Student Loan® 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!
The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. The learn more please get started here.
The Smart Option Student Loan features and benefits:
- We offer a choice of competitive fixed and variable interest rates providing even more choice and flexibility
- No origination fees and no prepayment penalty
- Multiple in-school repayment options available
- Borrower benefits available – like rewards and interest rate reductions
- Rates that reward creditworthy borrowers
- Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
- 24/7 online account management
Recreational Vehicles
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
- Motorcycles
- You name it, and we can help you own it
Not sure of your credit score? Get your free credit report here.
click HERE to apply online click HERE to print an applicationKwik Cash
Let'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 returned - check 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!
Loan Application
NCCU 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.
click HERE to apply online click HERE to print an applicationInsurance
Credit 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!
*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.
Accidental Death and Dismemberment Insurance
NCCU, along with American Income Life Insurance Company, offers all of of our members free $3,000.00 Accidental Death and Dismemberment Insurance. There are additional insurance benefits available. To find out more, visit American Income Life insurance company.
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.
