Loan Products
NCCU makes it easy to apply for all types of loans by using the convenient online application found here. In addition, loan applications can be picked up at one of our two 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 into 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.
Auto Loans
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.
Auto Research Center
Online Vehicle Research
Virtually “walk the lot” via our auto shopping site. Take the site for a test drive as you search, build, research, request quotes, and apply for a vehicle loan online. You can even search our nationwide inventory based on the payment or loan amount that fits your budget. Experience auto buying designed for the way you shop.
Pre-Approved Financing
Apply online and get pre-approved for a loan before you buy your vehicle. Then, simply tell the dealer that you’ve been pre-approved and get Northwoods Community Credit Credit Union financing right at the dealership. It’s fast and easy.
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 competitive loan rates 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.
Personal Loans
Take 90 days to the first payment on your next loan.
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!
Kwik 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 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!
Home 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.
Home 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 $50.00 processing fee! Apply online or contact one of our lending professionals for assistance.
Student Loans
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
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
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.
Insurance
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