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Loans

Compare rates. Find a home. Explore current options and find the financing that fits your goals and budget.

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  • Auto Loans

    The right loan for wherever you’re headed.


    Enjoy competitive rates, fast decisions, and support from local people who want you to make a

    confident choice. Car or truck. New or used.
     

    Buying a vehicle is a big moment, whether it’s your first, your next, or simply the right one for

    where life is taking you. With NWCCU, you get financing that’s designed to make that journey

    easier. Our auto loans combine fair, transparent rates with a streamlined approval process, so

    you can move forward without delays or surprises.
     

    And because we’re your personal credit union—not a distant lender—you’ll always talk to

    someone who understands your needs and cares about your experience. We take the time to

    help you compare options, explore terms, and choose a loan that fits comfortably within your

    budget.
     

    From test drive to final signature, NWCCU gives you the confidence, clarity, and support you

    need to drive away feeling great about your decision.


    Resources:

    • Auto Loan Calculator (Interactive)

    • Auto Finder (Interactive)

    • FAQs (Screen page)

  • Home Loans

    Your path to homeownership starts at your hometown credit union.


    Buying a home is one of the most meaningful financial decisions you’ll ever make, and the

    journey should feel guided, not overwhelming. At NWCCU, we believe clarity is the foundation

    of confidence. That’s why our mortgage process is designed to be transparent, helpful and

    grounded in your best interests from our very first conversation.
     

    We take the guesswork out of the steps ahead: what you can afford, how rates work, what to

    expect during the application, and how to move from preapproval to closing with ease. Whether

    you're a first-time buyer or looking to refinance, our team walks with you at every stage, helping

    you make informed decisions that fit with your goals and budget.
     

    With NWCCU, you’re not navigating the homebuying process alone. You're working with people

    who care about helping you build stability, equity and a place to truly call your own.


    3 Steps to Ownership (Graphic):

    1. Get Preapproved

    2. Find Your Home

    3. Close with Confidence


    Rates Offered (Graphic):

    • 15-Year Fixed

    • 30-Year Fixed

    • 5/1 ARM


    Tools & Resources:

    • Understanding the Process (Learn More Button)

    • Rent vs Buy Calculator (Interactive)

    • Rates & Options (Learn More Button)

    • Consult an Expert (Contact Button)

    • Find an Agent (Home Finder)

    • Affordability Calculator (Interactive)

    • Lock Your Rate (Contact Button)

    • Application Checklist (Learn More Button)

    • Importance of Preapproval (Learn More Button)

    • Mortgage Payment Calculator (Interactive)

    • Apply (Button To Application)

    • Check Status (Button To Log Into Account)

  • Life Improvement (Personal) Loans™

    Personal loans for life’s planned and unplanned moments.
     

    Life doesn’t always follow a straight line. Some expenses you can anticipate; others arrive

    without warning. NWCCU personal loans are built to support both, giving you access to helpful

    financing when you need it, with terms that fit comfortably within your budget.
     

    Whether you’re tackling a home project, covering medical costs, consolidating debt, celebrating

    a major milestone, or simply bridging an unexpected gap, we make borrowing easy to

    understand and even easier to manage. Our process is quick, transparent and designed to

    remove stress, not add to it.
     

    With competitive rates, fast approvals, and guidance from people who genuinely care about

    your financial well-being, NWCCU offers solutions that help you stay steady through every

    season. Whatever life brings, you’ll have the flexibility to move forward with confidence.


    Loan Types:

    • Personal Loan & Line of Credit

    • Home Improvement Loan & Line of Credit

    • Life Event Loan

    • Travel Loan

    • Health & Wellness Loan

    • Holiday Loan

    Why NWCCU:

    • Fast approval

    • Quick funding

    • Rewards rates

    • No fees

  • Credit

    Everyday spending with extra confidence. Built in.
     

    Your credit card should make life easier, not more complicated. NWCCU cards are designed to

    give you the flexibility you need for everyday purchases, along with the protection, security, and

    clarity you expect from a trusted financial partner.
     

    From groceries and gas to travel and online shopping, you’ll have a dependable card that works

    wherever you go, backed by real people who are here to help if questions or concerns ever

    arise. With no annual fees, straightforward terms, and built-in safeguards against fraud, you can

    use your card with confidence, knowing that NWCCU is looking out for you.
     

    It’s spending that’s made simpler and safer, supported by tools that keep you in control and

    benefits that elevate your everyday life.
     

    Benefits:

    • No annual fees

    • Purchase protection

    • Rewards options

    • Digital management

    • Worldwide acceptance

    • Apply Today (Button)

  • Smart Money Student Loans™

    Smart financing for your education. And your future.


    Your education opens doors. The right financing helps you walk through them with confidence.

    NWCCU student loans are built to support your goals, whether you’re starting your first

    semester, continuing your studies or improving your professional path.
     

    We offer simple, student-focused options with competitive rates, flexible repayment choices and

    guidance from people who want to see you succeed. Our process is simple and transparent,

    giving you a clear understanding of your borrowing options without hidden requirements or

    confusing terms.
     

    From tuition and books to unexpected expenses, NWCCU is here to help you stay on track

    academically and financially. With tools that make borrowing manageable and benefits that put

    your future first, you’ll have the resources you need to learn, grow, and take your next step with

    confidence.
     

    Because your potential deserves a financial partner that believes in where you’re headed.


    Loan Options:

    • Undergraduate Line of Credit

    Member Benefits:

    • Low rates

    • In-school deferment options

    • NWCCU Student Visa Credit Card

    • No annual fees

    • Eligibility Requirements
     

    Step-by-step guide (Graphic) provided on page.

  • Other Loans

    NWCCU offers additional lending options designed to support members at every stage of their

    financial journey. These solutions provide structure, flexibility and stability, whether you’re

    building credit, securing a better rate, or using your savings to borrow with confidence.


    Deposit Secured Loans & Lines (Graphic)
     

    Borrow against your own savings for a lower rate and a simple path to achieving your goals

    without disrupting your long-term plans.


    Credit Builder Loan (Graphic)

    A straightforward way to establish or strengthen your credit history, helping you build a stronger

    financial foundation over time.


    Rates for All Loans (Graphic)

    Transparent, competitive rates that let you compare options easily and choose what works best

    for your budget.


    No matter your starting point, NWCCU is here

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