Loans designed to support you now and in the future.
A better direction in banking.
Credit Cards
Spending made simple — with confidence and rates as low as 8.95%*.
Your credit card should work for you, not against you. NWCCU Visa® credit cards deliver the flexibility and convenience you need to handle purchases with ease.
*APR–Annual Percentage Rate. Rates Subject To Change Without Notice. Rates vary according to credit worthiness and term of loan, subject to change without notice.
Card Suite Lite App
Control how, where and when payment cards are used via your mobile device.
Download:
The Card Suite Lite app provides:
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Get real-time transaction alerts
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Freeze or unfreeze your card instantly
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Set spending limits and location controls
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Protect your account with enhanced security
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Monitor activity to help prevent fraud
Student Credit Card
Credit building starts here with a low fixed rate of 12% APR*.
The benefits of a Student credit card:
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No annual fees
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Low fixed rate of 12% APR
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Acceptance worldwide
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Easy emergency cash
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$500 credit line can increase over time
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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
*APR=Annual Percentage Rate 12.00% fixed rate applies to the Student VISA Credit Card. Applicant's income, credit score and debit ratio will determine credit limit.
Card Suite Lite App
Download:
With the Card Suite Lite app, you can:
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Get real-time transaction alerts
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Freeze or unfreeze your card instantly
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Set spending limits and location controls
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Protect your account with enhanced security
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Monitor activity to help prevent fraud
Auto Loans
Financing that moves you forward.
With NWCCU, you get competitive loan options designed to make auto ownership simple by combining fair transparent rates and streamlined approval process. APR based on credit score.
Protect yourself from unexpected, high cost repairs with our IWS Vehicle Service Agreement.
NWCCU members are covered with discounted policies from TruStage Auto & Home Insurance.
Finance with NWCCU and receive a free lifetime membership with travel and maintenance.
NWCCU members can learn the value of their used car quickly and confidently.
Home Loans
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 support long-term stability, equity, and ownership.
With HomeMarketplace, the process becomes clear and manageable:
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Connect with a dedicated advisor
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Check Rates
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Free Quote
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Estimate your budget using built-in calculators
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Understand what you can comfortably afford
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Get pre-qualified with confidence
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Search and find your home through HomeMarketplace
Three Simple Steps to Home Ownership
Get Pre-approved
Process Application
Close With Confidence
HELOC Loans
Put your equity to work.
Your home’s equity is a powerful financial resource.
A Home Equity Line of Credit (HELOC) provides flexible, revolving access to funds with a variable rate tied to Prime. Enjoy a draw period of up to 10 years, followed by a 10-year repayment term.
Our HELOC and Home Equity Loans feature:
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No points
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Low closing costs
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No prepayment penalty
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No annual fee
Personal Loans
Personal loans as low as 8.74%* ready for whatever comes your way.
With competitive rates, quick decisions, and support from a team that puts your financial well-being first, NWCCU has a loan tailored to fit your needs.
*APR–Annual Percentage Rate. Rates Subject To Change Without Notice. Rates vary according to credit worthiness and term of loan, subject to change without notice. The featured rate listed assumes an automatic payment method and includes a 0.25% discount.
Student Choice Loans
Smart financing for your education.
From tuition and books to unexpected expenses, NWCCU is here to help you stay on track academically and financially. View our list of approved schools.
Benefits of a Student Choice Loan:
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Zero origination or prepayment fees
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Low interest rates
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Flexible repayment and in-school deferment
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Easy online application
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Convenient line-of-credit
One of our educational partners:
We are proud of our partnership and support of Saint Xavier University. Visit us at our location 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.
Other Loans
NWCCU offers additional lending options designed to support you at every stage of your financial journey.
Whether you’re building credit, lowering your rate, or leveraging your savings, we have solutions to help you move forward with confidence.
Shared Secure Loan
Share Secured Loans allow you to borrow up to the available funds in your share (savings) account, excluding the minimum balance requirement. NWCCU will fully secure the loan amount against your accessible savings balance. Share secured loans provide a strategic means to meet your financial objectives without impacting your long-term savings plan.
Share Secured Credit Card
With a Share Secured Credit Card, you have the opportunity to establish or repair your credit. The available credit limit is determined by the amount of funds in your savings account. There is no requirement for a credit check, and you will not incur any fees when setting up a secure credit card.
Credit Builder Loan
The Credit Builder Loan helps you build or improve your credit. You choose a plan (shared secured loan or secured credit card). By making regular payments, you show financial responsibility boosting your credit score and history.