NCCU offers low automobile rates for both purchases and refinances.  We have low rates, and many payment options! You can apply online or in person at either of our offices.

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!

 

       

 

   

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.

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. 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 Consumer Handbook: Your Home Loan Toolkit Consumer Handbook on Adjustable Rate Mortgages

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.

  Online Loan Application Printable Application       Calculate your payments

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.

Online Loan Application Printable Application       view our online disclosure  

Take 90 Days to first payment on your next loan. Click here to learn more.   Northwoods 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

Get the money you need to help make higher education happen Student loans from Northwoods Community Credit Union in partnership with Sallie Mae® could help! For those attending or borrowing for a student attending a degree-granting institution Whether you’re an undergraduate student, graduate student, or parent helping a student pay for school, these flexible loans are designed to meet your needs: - Competitive variable and fixed interest rates - No origination fee or prepayment penalty 1 - Multiple repayment options Learn which loan is right for you [click here]

• Undergraduate Smart Option Student Loan® for Undergraduate Students Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school
• Graduate Graduate School Loan Pay for expenses as you pursue your master’s and doctoral degrees
• MBA Loan Pay for your business school expenses as you pursue your Masters of Business Administration degree
• Medical School Loan Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine
• Dental School Loan Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics
• Graduate School Loan for Health Professions Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs
• Law School Loan Pay for your school and associated expenses as you study for your law degree

Parents

• Parent Loan Help your student by taking responsibility with a loan in your name

Learn which loan is right for you [click here]   Borrow responsibly We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan. These loans are made by Sallie Mae Bank or a lender partner. Northwoods Community Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower, and cosigner (if applicable) would still be responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. 1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal. SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. © 2019 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

 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:  

• Snowmobiles
• 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.

   

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 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

       

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 2 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    

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-2634050.1-0719-0821 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 The insurance products offered: 1)  are not federally insured; 2) are not obligations of the credit union; 3) are not guaranteed by the credit union or any affiliated entity