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A Better Direction For Business

Business services that benefit employees, owners, and the community.

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  • Business Services

    Your business deserves a financial partner that understands how you work, and where you’re headed. NWCCU offers a suite of business accounts and services built to support organizations of every size, from startups and sole proprietors to established companies and nonprofits.

    Each account is designed around clarity, flexibility and everyday practicality. You’ll find straightforward features, no-nonsense pricing, and digital tools that help you manage your cash flow with confidence. Access benefits like remote banking, merchant-friendly debit cards and dedicated support from people who know your business matters to our community.

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    Business Accounts

    Every business membership at NWCCU begins with a Business Savings/Checking Account, providing all the benefits of membership:

    • Earn competitive dividends

    • Convenient account access

    • Each account insured up to $500,000 by American Share Insurance and Excess Share Insurance

    • Minimum balance to open and earn dividends ($10)
       

    A $50 loan application fee will apply.

  • Business Loans

    Every business has a vision. At NWCCU, our job is to help you reach it with lending solutions that are flexible, practical, and backed by people who understand the financial realities of running an organization. Whether you're expanding, upgrading equipment, managing cash flow, or pursuing something entirely new, our business lending team is here to support your momentum.

    Overview
    NWCCU Business Loans are designed to give companies of all sizes access to the capital they need, without unnecessary complexity or barriers. We offer competitive rates, personalized guidance and a streamlined application process that respects your time. Your goals become our goals, and our role is to help you make confident, well-supported decisions.

    Loan Types
    A full suite of financing options tailored to meet different business needs:


    Term Loans
    For long-term purchases like equipment, vehicles, or facility improvements, with predictable payments that support steady budgeting.
     

    Business Lines of Credit
    Flexible access to funds for short-term needs, operational expenses, or seasonal cash flow changes.
     

    Commercial Vehicle Loans
    Financing built for business transportation—whether you’re replacing one vehicle or growing your entire fleet.
     

    Equipment Loans
    Upgrade, expand, or modernize your operations with financing designed for essential tools and technology.
     

    Commercial Real Estate Loans
    Purchase, refinance, or renovate owner-occupied or investment commercial properties with competitive credit union rates.
     

    SBA Information and Support

    As an approved SBA lender partner, NWCCU can help you access government-backed financing that offers lower down payments, longer terms and more flexible qualification options. Our team will help determine whether an SBA 7(a) or 504 loan is right for your business and guide you through each step of the process, making it easier to secure the funding you need with the strongest possible foundation. 

    In addition, SBA offers a series of workshops to help small businesses grow and suceed. 


    Rate Tables

    Clear, transparent rate tables allow you to compare loan types and terms at a glance. No hidden fees. No confusing structures. Just straightforward information to help you choose the option that aligns with your business plan.
     

    A simple, direct call to action that leads to our streamlined application process. So you can take the next step toward strengthening or expanding your business with confidence.

  • Business Partnership Program

    Connecting employers and employees to a better direction in banking.
     

    NWCCU’s Business Partner Program brings the value of credit-union membership directly to your organization. By joining our partner network, your organization can offer a meaningful, no-cost financial benefit that supports the well-being of your workforce. While your employees get access to trusted, member-focused banking. For themselves and their family.
     

    Benefits to Organizations

    Business partnerships can strengthen your workplace by providing employees with tools that improve financial stability and reduce stress—at absolutely no cost to your company.


    Business Partners Benefit From:

    • A no-cost, value-added program to enhance employee compensation packages

    • Support for employee financial wellness, leading to higher satisfaction and productivity

    • Access to on-site or virtual financial education sessions tailored to your workforce

    • A dedicated NWCCU partner representative for ongoing support

    • Trusted banking options rooted in community, security and friendly service


    Becoming a business partner is simple, and it delivers measurable value for companies that want to invest in their teams.
     

    Benefits to Employees

    Employees and their families receive full access to NWCCU membership and its many advantages, including:

    • Competitive loan rates for auto, home, education and more

    • High-yield savings and investment products

    • Free checking with no minimum balance and no hidden fees

    • Low-interest Visa. credit cards

    • 24/7 online and mobile banking

    • Deposit protection up to $500,000

    • Friendly service from local people who care


    As a member-owned, not-for-profit financial institution, NWCCU exists to support individuals, not shareholders. That means better rates, fewer fees and a banking experience built around trust and transparency.


    How to Get Started

    Joining as a Business Partner is quick, easy, and entirely free. Organizations can onboard in minutes, and employees can begin enjoying member benefits right away.


    To get started:

    1. Visit NWCCU.com/JOIN

    2. Select your employer from the list

    3. Complete the online membership application
       

    If you have questions, our team is here to help:
    847.647.1030

    Contact us

  • Workplace Benefits

    As an employee of an NWCCU business partner, you gain access to a suite of financial tools designed to simplify everyday banking and strengthen long-term financial health. These workplace benefits go beyond standard banking, they’re tailored to support stability, confidence, and smarter decision-making at every stage of your financial life.

  • Exclusive Offers

    As part of NWCCU’s Business Partnership Program, employees receive access to exclusive financial incentives designed to deliver added value where it matters most. These member-only offers are curated specifically for partner organizations and updated throughout the year to support major milestones, seasonal needs and long-term planning. Expect advantages such as preferred loan rates, bonus rewards, limited-time savings promotions, discounted financial services, and specialized product bundles created to help employees stretch their dollars further.

  • Featured Partner

    Case study highlighting measurable partnership results. (Fox Valley Auto Group)

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