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When it comes to lending, a credit union operates differently. Because credit unions are member-owned and not driven by shareholders, decisions are made with long-term relationships in mind. That often means competitive rates, straightforward terms and a more thoughtful review process designed to understand your full financial picture. 

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Have A Question

  • Benefits
    No Annual Fees
    Purchase Protection
    Rewards
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    Everyday spending with extra confidence and rates as low as 8.95%.

    Your credit card should make life easier, not more complicated. NWCCU credit cards are designed to give you the flexibility you need for everyday purchases.

    Compare our rate to your current card rate and see your savings.

    Card Suite Lite App

    Manage your debit and credit cards right from your phone.

    Download:

    App Store Icon
    Google Play Icon

    With the Card Suite Lite app, you can:

    • Get real-time transaction alerts

    • Freeze or unfreeze your card instantly

    • Set spending limits and location controls

    • Protect your account with enhanced security

    • Monitor activity to help prevent fraud

  • Benefits
    No Annual Fees
    Purchase Protection
    Rewards
    Mobile
    Worldwide
    Polar
    No
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    No
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    Sovix
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    Credit Building Starts Here.

    The benefits of a Student VISA credit card:

    • No annual fees

    • Low fixed rate of 12% APR*

    • Acceptance worldwide

    • Easy emergency cash

    • $500 credit line can increase over time

    • Graduating seniors are eligible to apply for higher lines of credit.

    As of early 2026, student credit card APRs often range from approximately 17.49% to over 28%. — USNews Money

    Compare our rate to your current card rate and see your savings.

    Card Suite Lite App

    Manage your debit and credit cards right from your phone.

    Download:

    App Store Icon
    Google Play Icon

    With the Card Suite Lite app, you can:

    • Get real-time transaction alerts

    • Freeze or unfreeze your card instantly

    • Set spending limits and location controls

    • Protect your account with enhanced security

    • Monitor activity to help prevent fraud

  • Benefits
    No Annual Fees
    Purchase Protection
    Rewards
    Mobile
    Worldwide
    Polar
    No
    No
    No
    No
    No
    Sovix
    No
    No
    No
    No
    No
    Itaka
    No
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    Hexa
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    The Right Loan for Whatever Drives You.

    With NWCCU, you get competitive financing that’s designed to make  auto ownership easier by combining fair, transparent rates with a streamlined approval process.

    See Current Rates

    Calculate your monthly payment

    Vehicle Service Agreement

    Protect yourself from unexpected, high cost repairs with our IWS Vehicle Service Agreement.

    TruStage Vehicle Insurance

    NWCCU members are covered with discounted policies from TruStage Auto & Home Insurance.

    EZ CarCare

    Finance with NWCCU and receive a free lifetime membership with travel and maintenance.

    Learn Your Used Car Value

    NWCCU members can learn the value of their used car quickly and confidently.

  • Benefits
    No Annual Fees
    Purchase Protection
    Rewards
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    Worldwide
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    Your path to home ownership starts here.

    Whether you're a first-time buyer or looking to refinance, our team will walk you through every stage and help you make informed decisions that provide stability, equity and ownership.

    Three Simple Steps to Home Ownership

    1 icon
    Get Pre-approved
    2 icon
    Complete Application
    3 icon
    Close With Confidence
  • Benefits
    No Annual Fees
    Purchase Protection
    Rewards
    Mobile
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    Your equity is a valuable financial tool.

    A HELOC is a line of revolving credit with a variable interest rate tied to Prime. The draw period is available up to 10 years, with a payback term of 20 years.
     

    Our HELOC and Home Equity Loans offer the following:

    • No points

    • Low closing costs

    • No prepayment penalty

    • No annual fee

  • Benefits
    No Annual Fees
    Purchase Protection
    Rewards
    Mobile
    Worldwide
    Polar
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    Smart financing for your education. And your future.

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

    Benefits of a Student Choice™ Loan:

    • Zero origination or prepayment fees

    • Low interest rates

    • Flexible repayment and in-school deferment 

    • Easy online application

    • Convenient line-of-credit​

    As of early 2026, student credit card APRs often range from approximately 17.49% to over 28%

    SXU Logo

    We are proud of our partnership and support of Saint Xavier University. Visit us at our Visitor Center located inside the Graham School of Management at: 3825 W. 103rd Street in Chicago.

     

    We’re honored to support students, faculty, alumni and future business leaders as they build meaningful careers grounded in service and excellence.

  • Benefits
    No Annual Fees
    Purchase Protection
    Rewards
    Mobile
    Worldwide
    Polar
    No
    No
    No
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    No
    Sovix
    No
    No
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    Itaka
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    NWCCU offers additional lending options designed to support you at every stage of your financial life. 

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

    Deposit Secured Loans & Credit Lines
    Borrow against your own savings for a lower rate and  simple path to achieving your goals without disrupting your long-term plans.

    Credit Builder Loan
    Borrow against your own savings for a lower rate and  simple path to achieving your goals without disrupting your long-term plans.

A Better Direction in Lending

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

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