Loans built to support where you are and where you’re going.
A better direction in banking.
Credit Cards
Everyday spending with extra confidence and rates as low as 8.95%*.
Your credit card should make life easier, not more complicated. NWCCU Visa® credit cards are designed to give you the flexibility you need for everyday purchases.
*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.
Card Suite Lite App
Control how, where and when payment cards are used via your mobile device.
Download:
The Card Suite Lite app provides:
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Get real-time transaction alerts
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Freeze or unfreeze your card instantly
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Set spending limits and location controls
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Protect your account with enhanced security
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Monitor activity to help prevent fraud
Student Credit Card
Credit Building Starts Here.
The benefits of a Student credit card:
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No annual fees
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Low fixed rate of 12% APR*
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Acceptance worldwide
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Easy emergency cash
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$500 credit line can increase over time
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Graduating seniors are eligible to apply for higher lines of credit.
*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.
As of early 2026, student credit card APRs often range from approximately 17.49% to over 28%. — USNews Money
Card Suite Lite App
Download:
With the Card Suite Lite app, you can:
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Get real-time transaction alerts
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Freeze or unfreeze your card instantly
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Set spending limits and location controls
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Protect your account with enhanced security
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Monitor activity to help prevent fraud
Auto Loans
The Right Loan for Whatever Drives You.
With NWCCU, you get competitive financing designed to make auto ownership easier by combining fair, transparent rates with a streamlined approval process. APR rates 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.
Home Loans
Your path to home ownership starts here.
Whether you're a first-time buyer or looking to refinance, our team will walk you through every stage and help you make informed decisions that support long-term stability, equity, and ownership.
With HomeMarketplace, the process becomes clear and manageable:
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Connect with a dedicated advisor
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Check Rates
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Free Quote
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Estimate your budget using built-in calculators
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Understand what you can comfortably afford
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Get pre-qualified with confidence
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Search and find your home through HomeMarketplace
Three Simple Steps to Home Ownership
Get Pre-approved
Process Application
Close With Confidence
HELOC Loans
Your equity is a valuable financial tool.
A HELOC is a line of revolving credit with a variable interest rate tied to Prime. The draw period is available up to 10 years, with a payback term of 20 years.
Our HELOC and Home Equity Loans offer the following:
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No points
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Low closing costs
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No prepayment penalty
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No annual fee
Personal Loans
Personal loans as low as 8.99%*. For life's planned and unplanned moments.
With competitive rates, fast approvals, and guidance from people who genuinely care about your financial well-being, we have a loan that fits your needs.
*APR–Annual Percentage Rate. Rates Subject To Change Without Notice. Rates vary according to credit worthiness and term of loan, subject to change without notice. The featured rate listed assumes an automatic payment method and includes a 0.25% discount.
Student Choice Loans
Smart financing for your education. And your future.
From tuition and books to unexpected expenses, NWCCU is here to help you stay on track academically and financially. View our list of approved schools.
Benefits of a Student Choice Loan:
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Zero origination or prepayment fees
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Low interest rates
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Flexible repayment and in-school deferment
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Easy online application
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Convenient line-of-credit
One of our educational partners:
We are proud of our partnership and support of Saint Xavier University. Visit us at our location inside the Graham School of Management at: 3825 W. 103rd Street in Chicago.
We’re honored to support students, faculty, alumni and future business leaders as they build meaningful careers grounded in service and excellence.
Other Loans
NWCCU offers additional lending options designed to support you at every stage of your financial life.
Whether you’re building credit, securing a better rate, or using your savings to borrow with confidence.
Shared Secure Loan
Share Secured Loans allow you to borrow up to the available funds in your share (savings) account, excluding the minimum balance requirement. NWCCU will fully secure the loan amount against your accessible savings balance. Share secured loans provide a strategic means to meet your financial objectives without impacting your long-term savings plan.
Share Secured Credit Card
With a Share Secured Credit Card, you have the opportunity to establish or repair your credit. The available credit limit is determined by the amount of funds in your savings account. There is no requirement for a credit check, and you will not incur any fees when setting up a secure credit card.
Credit Builder Loan
The Credit Builder Loan helps you build or improve your credit. You choose a plan (shared secured loan or secured credit card). By making regular payments, you show financial responsibility boosting your credit score and history.