Visa Classic

A card that’s ideal for those who want to build their credit and learn how to use credit cards responsibly. 

Platinum Visa

With higher credit limits and even lower rates, this card is perfect if you already have established and strong credit.

Visa Platinum Rewards

If you like earning rewards like airline miles or gift cards, you can earn 1 point for every dollar you spend on this card.

APR = Annual Percentage Rate. All rates based on approved credit. 
Foreign Transaction Fee - Up to 2% of the U.S. dollar amount of the foreign transaction or $0.25 whichever is greater 

Method of Balance Computation: Average Daily Balance (including current purchases)
Grace Period: 21 days 
Minimum Payment: 3% of the balance or minimum $25 whichever is greater.
Late Payment Fee: Payments more than 4 days past due will be charged $20.00.
Rewards details and restrictions subject to change. 

The fixed introductory rate applies to new purchases posted to a new Visa® account for 180 days from the account open date. Your rate for purchases and unpaid balances after the 180-day introductory period will be adjusted to non-introductory rates.

Rates are subject to change quarterly. The index is The Wall Street Journal Western Edition Prime Rate as of: February 28; May 31; August 31; November 30 of each calendar year, plus the margin. Rates are subject to change: March 10; June 10; September 10; and December 10 of each calendar year. 

For full printable disclosure Click here. A printable card agreement can be found here.

With plenty of options for financing terms, major mechanical protection, guaranteed asset protection (GAP) and automatic payments, we’re proud to offer hard-to-beat value and service. You can even find Northwest Community on-the-spot financing at dealerships throughout Oregon.

Vehicles

*Rates will vary depending on credit qualifications, loan terms, and payment method. Loan terms available may vary depending on amount borrowed, length of contract, credit history,  and collateral. All loans are subject to approval. Regular terms and conditions apply. Northwest Community Credit Union is an Equal Opportunity Lender.

Peace of Mind

*Less delinquent payments, late charges, refundable service warranty contracts and other insurance related charges. Subject to other applicable exclusions and limitations, including a loan-to-value maximum.

Recreational Vehicles

We can help you get the RV you need to embark on more adventures. With financing up to $125,000, low monthly payments, and various term limits, find the RV that fits your needs and budget. Take advantage of:

• Pre-approval certificates available to use at 300+ participating RV dealers in Washington and Oregon
• We finance used RVs up to 15 years old
• Up to 100% financing available based on credit
• Taxes, warranty, and GAP can also be financed

*APR = Annual Percentage Rate. Individual rates may vary. Rates, terms and condition are subject to change and may vary based on creditworthiness, age and condition of collateral and product selected.  All loans subject to approval.  Rates range from 6.99% - 16.49% fixed APR for special 72 month term. Rates range from 7.49% - 18.99% fixed APR for other terms. Estimated monthly payment example = $170.47 per $10,000 (payment example is based on 6.99% APR and a term of 72 months) Older model year units, if approved, are subject to higher rates. Term is determined by amount financed. RVs: Includes campers, tent and travel trailers, fifth wheels, RV, and motor homes. Excludes recreational park trailers, tiny homes, commercial or commercial use, Toter, and Toter Home vehicles. Excludes ANY unit lived in (or planning to live in) 5 or more months during the year. Model years 2018-2026; older model 2011-2017.

Power Sport Vehicles

We have loans for the fun wheels you've always wanted: dirt bikes, ATVs, or snowmobiles.

*APR = Annual Percentage Rate. Individual rates may vary. Rates, terms and condition are subject to change and may vary based on creditworthiness, age and condition of collateral and product selected.  All loans subject to approval.  Rates range from 8.24%- 11.49% fixed APR for standard terms.  Estimated monthly payment example = $203.98 per $10,000 (payment example is based on 8.24% APR and a term of 60 months). Term is based on loan amount. LTV = Loan to value. Collateral Lien perfection required for titled units. Qualified Backend includes Warranty (up to $1,500 for values under $5,000; $2,000 or 15% whichever is greater for values over $5,000; max of $4,500) and GAP (up to $895 max). Exclusions Cash-Out; Options or enhancements must be permanently affixed to the collateral. Powersports includes ATV, UTV, snowmobiles and personal watercraft (5 years or newer). Value based on lesser of purchase price, MSRP or J.D. Power (NADA) retail.

Whether you want to feel the wind in your hair or make a statement with an urban commuter, a NWCU motorcycle or scooter loan is the way to go. Refinancing is also available.  

*APR = Annual Percentage Rate. Rates range from 7.99% - 16.99% fixed APR. Term is determined by amount financed. Individual rates may vary. Rates, terms and conditions are subject to change and may vary based on creditworthiness, age and condition of collateral, and product selected. All loans subject to approval. Motorcycles: Highway Registered Road Motorcycles New & Used Models. Excludes custom built or motorcycles for which a published book value is not available. Scooters: Road registered; classified by DOL as "cycle"/CYC New models only; Minimum engine size 49/50cc. For details, please contact Northwest Community Credit Union at (800) 452-9515.

Call (800) 452-9515 or visit a local branch to apply today.

If you want to buy a new boat or refinance, we can help you save money with low monthly payments and flexible term options. Benefits of a NWCU boat loan include:

• Up to 100% financing available based on credit
• Taxes, warranties, and Guaranteed Asset Protection (GAP) coverage can be financed
• Financing for used boats up to 15 years old
• Personal-use boats between 16 and 25 feet in length can be financed
• Pre-approval certificates that can be used at 100+ boat dealerships in Washington and Oregon

*APR = Annual Percentage Rate. Individual rates may vary. Rates, terms and condition are subject to change and may vary based on creditworthiness, age and condition of collateral and product selected.  All loans subject to approval.  Rates range from 7.74% - 16.49% fixed APR for special 72 month term. Rates range from 8.24%-18.99% fixed APR for other terms. Estimated monthly payment example = $174 per $10,000 (payment example is based on 7.74% APR and a term of 72 months). Older model year loans, if approved, are subject to higher rates. Term is based on loan amount.  No live-a-board boats; or any boats lived in or planning to live in for 5 or more months during the year.  No commercial use or highly specialized/limited boats (racing, house-boat, etc.) Boats 16-25 feet. Model years 2025-2016; older model 2010-2015.

If you need to transport animals, equipment, or recreational vehicles, get a trailer loan with NWCU today.

*APR = Annual Percentage Rate. Individual rates may vary. Rates, terms and conditions are subject to change and may vary based on creditworthiness, age and condition of collateral, and product selected. All loans subject to approval. Rates range from 9.24% - 18.74% fixed APR. Term is determined by amount financed. New models only. Horse Trailers with or without living quarters. Excludes commercial/toter/any units being resided in over 5 months a year. 

Personal Loan

*APR = Annual Percentage Rate. Rates range from 5.50% - 21.50% fixed APR. Rate may vary depending on your credit score. Term is determined by amount financed. Individual rates may vary. Rates, terms and conditions are subject to change and may vary based on creditworthiness, age and condition of collateral, and product selected.

Northwest Cash

Apply for Northwest Cash through eBanking for quick, easy access to money without pulling your credit. 

Cover your education costs with Sallie Mae and NWCU.

We offer great financial products and services to meet the unique needs of our members. That is why we have partnered with Sallie Mae to offer the Smart Option Student Loan® and Sallie Mae's suite of graduate loans.

Benefit from these features with any loans:

• Competitive variable and fixed interest rates
• Multiple repayment options
• No origination fees; no prepayment penalty*
• Borrow from $1,000 up to 100% of the school-certified expenses**

Choose from a variety of loans to meet your needs:

• Smart Option Student Loan® for undergraduate and career training students
• Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study

Borrow responsibly. 

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan. 

These loans are made by Sallie Mae Bank. Northwest Community Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. Click here for additional eligibility information about each product. 

* Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal. 

** For applications submitted directly to Sallie Mae, loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. Applications submitted to Sallie Mae through a partner website may be subjected to a lower maximum loan request amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time. 

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. 

©2025 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America. 

Whether it’s kitchen remodel, a bathroom upgrade, or a new deck, a ChoiceLine Home Equity Line of Credit can help you get the job done. Credit lines are available for up to 100% of your home’s value.    

Use our handy calculator below to determine your borrowing capacity: 

Home Loan Calculator

*Individual rates may vary. Rates, terms and conditions are subject to change and may vary based on creditworthiness, age and condition of collateral, and product selected. All loans subject to approval. Annual Percentage Rate (APR) on ChoiceLine Equity rate range is 7.50% - 9.50%. Higher APR on manufactured homes classified as real property and on loan-to-values exceeding 80%. The variable APR is subject to change monthly, based on The Wall Street Journal Prime Rate, and will not exceed 18% over the life of the line. Appraisals for a single unit property range from $750-$800. Draw period for line is 10 years. Value method and cost determined during application process. If a property appraisal is required borrower pays for appraisal costs. Fixed advances may be taken under the line for a fixed term and APR; ask us for current rates, terms and applicable charges. Property insurance is required. Borrower is responsible for any escrow fees if a home equity line requires closing in escrow; applicable charges will be disclosed prior to closing. Property must be owner occupied and located in the states of Washington or Oregon. NMLS #530610