Northwest Community Credit Union (NWCCU) offers competitive loan rates, dividend-bearing savings, and member-focused banking solutions throughout Morton Grove and the Chicagoland area. Explore mortgages, auto loans, credit cards, CDs, IRAs, and convenient online banking—all designed to support your long-term financial well-being. Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today You work hard for your money— make it work harder for you. As a member-owned, not-for-profit credit union, we offer lower rates, stronger returns, personalized service, and 24/7 access—so your money goes further, every day. Deposits are insured up to $500,000. A better direction in banking. Become A Member Today AutoMarketplace A new way to navigate the car-buying process. Check rates in real time and use built-in tools to understand what fits your budget. Get pre-qualified with confidence, then search and find your next vehicle. A better direction in banking. Begin Your Search HomeMarketplace A new way to navigate the home buying process. Check rates in real time, and use built-in calculators to see what you can comfortably afford. Get pre-qualified with confidence, then search and find your home. A better direction in banking. Begin Your Search Prepare Your Student With Checking+ Credit Open a NWCCU free interest-bearing checking account at 2.5% APY** bundled with a low-interest Student Visa Card with 12% APR* . A better direction in banking. Apply Now Insured up to $500,000. Your deposits are protected up to $500,000 through a combination of American Share Insurance and Excess Share Insurance Corporation coverage. That's up to 2X the protection offered by many financial institutions, helping safeguard the money you've worked hard to earn. Become A Member What are you planning today? Purchase A Car Start Saving Borrow Banking Rates Auto Rates As Low As 4.50% APR* Personal Loans As Low As 8.74% APR* Credit Cards As Low As 8.95% APR* Learn how to save .50% off your mortgage rate View More Rates Apply For A Home Loan Member Marketplaces Search with confidence. Get exclusive member benefits and trusted tools in one place. Auto Loan Application Home Loan Application Member Marketplaces

Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. SBA Community Explore SBA-backed solutions with resources and support designed to help your business grow with confidence. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Login Join Today Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore SBA-backed solutions with resources and support designed to help your business grow. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Business products and partnerships with services and access to capital. A better direction in banking. About NWCCU and your business Whether you're an employer or an employee, NWCCU works for you and every dollar you earn. As a non-profit, member-owned financial institution, we're a valuable benefit that costs you nothing and gives you back more–which is a better direction in banking. About Us About Us About Us About Us Learn more about our Business Partner Program > Your employees are your company's most valuable assets. You know that recruiting and retaining the best people are the smartest way to build your business and become an integral part of the community. Business Accounts Your business deserves a financial partner that understands how you work. 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. Benefits of business membership: Earn competitive dividends Convenient account access Each account insured up to $500,000 by American Share Insurance and Excess Share Insurance Mininum balance to open/earn dividends ($10) Open your business account today What You'll Need to Get Started: Proof of EIN (IRS letter with issued EIN) Articles of Organization or Incorporation Corporate Resolution (authorized signers for the business) Social Security Number for all account signers Date of Birth for all account signers Primary and secondary identification for all signers Proof of Address for all signers Get Started *Will connect you with our team to open your account or get help preparing what you need. Business Loans Business Loans Designed for How You Operate NWCCU offers competitive business financing with personalized guidance and a streamlined process. Whether you’re managing cash flow, upgrading equipment, or expanding your operations, our team is here to help you move forward with confidence. We offer practical, flexible lending solutions backed by people who understand the realities of running a business Types of Business Loans Term Loans For long-term purchases like equipment, vehicles, or facility improvements, with predictable payments that support steady budgeting. Commercial Real Estate Loans Purchase, refinance, or renovate owner-occupied or investment commercial properties with competitive credit union rates. 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. 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. NWCCU is an Advantage Illinois approved lender, providing access to state-supported financing programs that enhance small business capital availability and support economic development. 👉 Apply for a Business Loan Fast, guided application for working capital, equipment, and general business needs. Commercial Real Estate Financing Looking to purchase or refinance commercial property? Commercial real estate loans are handled through a separate application process to ensure the right structure and support for your project. Get Started Launch and Grow Guidance, tools and capital to help your business move forward. Guidance, tools, and capital to help your business move forward. A no-cost business advisory and workshop program designed to help entrepreneurs start, scale, and succeed with support from trusted community partners. Contact us for a consultation Guidance, tools, and capital to help your business move forward. A no-cost business advisory and workshop program designed to help entrepreneurs start, scale, and succeed with support from trusted community partners. What you get through Launch & Grow Business Advising One-on-one guidance tailored to your business stage Support with planning, strategy, and growth decisions Workshops & Education Practical sessions on accessing capital, SBA loans, and financial management Designed for both new and established businesses Access to Capital Guidance on preparing for financing Connection to lending solutions, including SBA and state-supported programs Community Connections Access to trusted partners and local business networks Support from organizations invested in your success Workshops: Practical guidance for growing your business. Hands-on sessions designed to give you actionable steps to move your business forward. New workshops are added regularly. Contact us to learn about upcoming sessions or reserve your spot. Upcoming Workshops: (TBD) Business Partner Program Connecting employers and employees to a better direction in banking. Benefits to Organizations NWCCU's Business Partner Program strengthens 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 Download Information Packet We're proud of our local community business partners. It's easy to get started: Connect with NWCCU as a Business Partner or to set up an account. Organizations can onboard in minutes, and employees can begin enjoying member benefits right away. Please complete the form below or call: Phone: 847.647.1030 Learn how NWCCU can help your business. First name* Last name* Email* Company name* What Type of Business?* What would you like to do today?* Business Account Business Loan Provide a credit union to your employees Looking for a loan? What type of loan are you looking for? Message* Submit

Explore competitive loan rates from NWCCU, including auto, mortgage, credit card, and personal loans. Flexible terms, lower fees, and member-focused solutions designed to help you borrow with confidence. Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. SBA Community Explore SBA-backed solutions with resources and support designed to help your business grow with confidence. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Login Join Today Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore SBA-backed solutions with resources and support designed to help your business grow. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Banking Savings Accounts Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close From fraud protection to fee transparency, we give you the tools to manage your money with confidence. A better direction in banking. Fraud & Prevention At NWCCU, financial wellness is more than helpful information. We give you financial guidance you can trust and practical tools that help you make clearer, more confident decisions. What is phishing? All Internet users should be aware of the online scam known as "phishing" (pronounced "fishing"). Phishing involves the use of e-mail messages that appear to come from your bank or another trusted business but are from imposters. To learn more about phishing, read articles presented by FTC at www.consumer.ftc.gov Report an online scam You may also want to forward suspicious emails to the Federal Trade Commission at spam@uce.gov or contact them at www.consumer.ftc.gov or 877.IDTHEFT (877.438.4338 ). General Safety Tips While anyone can fall prey to fraud and identity theft, many ways exist to minimize your risk. Northwest Community Credit Union provides these security tips, so you can guard against fraud and identity theft. If you feel you may be a victim of identity theft, review our Identity Theft advisory in this section for more information and a list of resources. Identity Theft What is identity theft? Identity theft happens when your personal information, typically your Social Security number (SSN), is stolen and used to commit fraud or theft. The thief can use this information to rent apartments, buy cell phones, drain your bank account or obtain loans and credit cards. In worst-case scenarios, thieves can even hold a job or commit a crime using your identification. According to the Federal Trade Commission (FTC), identity theft affects nearly 400,000 people in the US each year. A person whose identity has been stolen can spend months or years and thousands of dollars to clean up the mess made of their good name or credit record. For more information about Identity Theft, please visit the FTC Website at www.consumer.gov/idtheft Order a copy of your credit report. Make sure it's accurate and includes only the activities you've authorized. Do this at least once a year to catch mistakes and fraud before they wreak havoc on your personal finances. To order your FREE yearly credit report visit www.annualcreditreport.com Email: Watch for unofficial email domains, poor grammar, unexpected attachments or fear-based language. Text Messages: Scammers often reference deliveries, tolls, or “account issues,” urging you to click a link or respond quickly. Phone Calls: If someone calls unexpectedly asking for private information or demanding payment, hang up and verify independently. Mail: Legitimate mail includes professional branding and accurate sender information. Scammers often use urgency or unfamiliar return addresses to provoke action. Online Shopping: Stick to trusted retailers, look for secure payment options and be cautious of unrealistic discounts. QR Codes: Before you scan, ask whether you trust the source — QR stickers can easily be altered or replaced. Card Skimmers: Inspect ATMs, gas pumps, and payment terminals for loose parts or unusual colors. Use Tap to Pay or chip inserts when possible. Social Media: Be cautious of unknown friend requests, duplicate profiles, suspicious links, and “Is this you?” Protecting Your Credit Enroll in free credit monitoring with Savvy Money. Freeze your credit through the bureaus when needed — for adults, children, and elders. Review your credit report monthly. Resources Theft: Federal Trade Commission — 877.IDTHEFT (877.438.4338 ) Social Security Number Theft and Misuse: Social Security Administration Mail Theft: United States Postal Service Phone Fraud: Federal Communications Commision Fraud Alerts: Federal Trade Commission, Consumer Information Credit Bureaus Equifax: To report fraud, Call: 800.525.6285 Write: P.O. Box 740241, Atlanta, GA 30374-0241 Experian: To report fraud, call: 888.EXPERIAN (888.397.3742 ) Write: P.O. Box 9532, Allen, TX 75013 TransUnion: To report fraud, Call: 800.680.7289 E-mail: fvad@transunion.com Write: Fraud Victim Assistance Department, P.O. Box 6790, Fullerton, CA 92834-6790 Opt-out Organizations To opt out of receiving pre-screened credit card offers, please call 888.5.OPTOUT (888.567.8688 ). Federal "Do Not Call" Registry Department of Motor Vehicles (DMV) Check with your state DMV to learn more about their policies on sharing personal information with other agencies. Direct Marketing Association Direct Mail Marketers Telemarketing E-mail Newsletter Stay informed, inspired and connected with NWCCU. Our latest newsletter will keep you up to date and informed on what’s happening at NWCCU. Download February 2026 Download July 2026 Fee Schedule Service fees Our Fee Schedule lays out every account and service charge in a clean, easy-to-understand format, so you always know what to expect.

Review NWCCU’s business service requirements to understand eligibility, documentation, and account guidelines. Clear, straightforward criteria designed to help local businesses open accounts, access financing, and move forward with confidence. Have A Question Search ATMs & Locations Make A Payment Business Services Requirements Documents needed to open a business membership: Proof of EIN (IRS Letter with issued EIN) Articles of Organization/Incorporation Corporate Resolution (States who has authority to open the account and conduct business) Social Security # for ALL signers DOB (All signers) Primary and Secondary ID’s Proof of Address (All signers) Please be advised that all documents are required to open the account. There may be some instances that alternative documents may be obtained based on the type of business. Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today

Use NWCCU’s consolidation loan calculator to estimate monthly payments and potential savings. Compare rates, simplify multiple debts, and see how combining balances could help you reduce interest and regain financial control. Have A Question Search ATMs & Locations Make A Payment A Better Direction For Members Real benefits designed to make your financial life easier. Calculators Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today

Explore competitive loan rates from NWCCU, including auto, mortgage, credit card, and personal loans. Flexible terms, lower fees, and member-focused solutions designed to help you borrow with confidence. Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. SBA Community Explore SBA-backed solutions with resources and support designed to help your business grow with confidence. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore SBA-backed solutions with resources and support designed to help your business grow. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close 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. Apply Now Card Suite Lite App Control how, where and when payment cards are used via your mobile device. Download: The Card Suite Lite app provides: 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 Student Credit Card Credit building starts here with a low fixed rate of 12% APR*. The benefits of a Student 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 *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. Apply Now Card Suite Lite App Download: 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 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. 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. See Current Rates AutoMarketplace Apply Now Home Loans Current Rates 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: Connect with a dedicated advisor Check Rates Free Quote Estimate your budget using built-in calculators Understand what you can comfortably afford Get pre-qualified with confidence Search and find your home through HomeMarketplace Search Home Marketplace We have partnered with Member First Mortgage to bring YOU a wider range of mortgage programs! Conventional & Government loans FHA, VA, RD & more! Refinances Home Renovation & Construction Flexible credit programs Zero or low down payment programs Learn More 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: No points Low closing costs No prepayment penalty No annual fee Apply Now Current Rates Contact Us 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. Check Rates Apply Now 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: Zero origination or prepayment fees Low interest rates Flexible repayment and in-school deferment Easy online application Convenient line-of-credit Learn More | Apply Now 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 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. Contact Us 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. Join Today 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. Contact Us

Use NWCCU’s payment calculator to estimate monthly loan payments based on amount, rate, and term. Compare scenarios, plan your budget, and make informed borrowing decisions with confidence. Have A Question Search ATMs & Locations Make A Payment A Better Direction For Members Real benefits designed to make your financial life easier. Calculators Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today

The NWCCU CRO Notice outlines your rights under the Credit Repair Organizations Act. It explains important consumer protections related to credit repair services, including your right to cancel certain agreements and to receive clear disclosures. This notice ensures transparency and helps you understand your rights when evaluating credit-related services or financial guidance. State of Illinois Community Reinvestment Notice The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today

Explore NWCCU banking solutions designed for everyday convenience and long-term financial stability. Enjoy free checking, dividend-bearing savings, online and mobile banking, and member-focused service built around transparency, flexibility, and competitive value. Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. SBA Community Explore SBA-backed solutions with resources and support designed to help your business grow with confidence. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Login Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore SBA-backed solutions with resources and support designed to help your business grow. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Login Join Today Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close A better path forward with lower costs and stronger returns. A better direction in banking. Savings Accounts Save with financial confidence. Grow with financial purpose. Every membership requires a Share Account, your savings account is your entry point to everything NWCCU offers. With a minimum balance of just $10.00 you establish your membership and gain access to better rates, lower costs, and a full range of financial tools designed to work in your favor. Are you ready to get started? Join Today Share Accounts You’re a member so your share is your savings account! Open your account today with only $10.00. Free online banking, free e-statements, free mobile banking, insurance up to $500,000 per account through ASI and ESI. Holiday, Vacation and Special Purpose Savings Requires a minimum balance of $10.00 No monthly service fee Dividend bearing Requires a minimum balance of $10.00 No monthly service fee Dividend bearing Money Market Savings Money Market Savings An easy way to save. Open with just $10.00 and enjoy dividend earnings with no monthly service fee. A simple, flexible way to grow your savings and keep access to your funds. Join Today CDs & IRAs Reliable growth for your short and long-term plans. With flexible terms and fixed rates on NWCCU Certificates of Deposit, you decide how long you want to save and exactly what you’ll earn. A minimum balance of $1,000 is required to open. Funds are locked in for the full term, and early withdrawals are subject to penalties that can reduce earnings. Your deposits are protected with additional coverage through ASI/ESI insurance. The same terms and rates also apply to IRA and Roth IRA share certificates. Open a Certificate in Four Steps Choose your term Review your rate Fund your certificate Start growing your savings Join Today Better Direction Checking Your everyday spending account. Our most popular checking account is designed for everyday purchases, everyday decisions and the everyday way you want to manage your digital wallet. Join Today Choose from these three ways to open a checking account: Open your checking account when you begin your membership. Send us a secure message through your online banking account. Contact us if you’d like to ADD a checking account. Student Checking Your students everyday spending account. Interest bearing checking account with 24/7 Home and Mobile Banking, Mobile Remote Deposit, e-Statements and a Visa® Debit Card you can use anywhere, your money is always within reach. Earning interest isn’t just for savings accounts. Join Today Money Market Checking Money Market Checking Everything you need in an interest-bearing checking account, built around convenience, value and everyday access. From no minimum balance and no monthly service fees to digital banking tools and shared branching access, these features are designed to make managing your money simple, flexible and focused on you. Join Today

Use NWCCU’s debt payoff calculator to create a clear strategy for becoming debt-free. Compare payoff timelines, estimate interest savings, and see how adjusting payments can help you eliminate balances faster and regain financial control. A Better Direction For Members Real benefits designed to make your financial life easier. Calculators Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today

The NWCCU Retirement Calculator helps you plan for the future with clarity and confidence. Estimate how much you’ll need, project potential growth, and see how your savings strategy aligns with your long-term goals. Whether you’re just starting or refining your plan, this tool provides a simple, practical way to visualize your retirement outlook and make informed financial decisions. A Better Direction For Members Real benefits designed to make your financial life easier. Calculators Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today

Use NWCCU’s refinance calculator to see if refinancing could lower your rate, reduce monthly payments, or shorten your loan term. Compare scenarios and make an informed decision based on your financial goals. Have A Question Search ATMs & Locations Make A Payment A Better Direction For Members Real benefits designed to make your financial life easier. Calculators Have A Question Search ATMs & Locations Make A Payment Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today