Convenient ways to finance your next purchase.


We're a local lender committed to finding the best solutions for whatever you may need. Let us help you get back to what matters most. 


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Our Rewards credit card gives you lower rates AND better rewards.

Yes, Really!

Credit cards don’t need to be complicated. Our Visa® cards offer low rates and fewer fees than you’ll find most anywhere else. In addition, our balance transfers have no fees and share the same low rates as purchases, which make these cards a perfect balance transfer option. Learn more about our cards and how they can keep your life and wallet simple.

Apply for a Credit Card

 

Northwest Visa

Variable rate based on prime plus a margin determined by your credit score.

Purchase & Cash Advance Rate
Minimum Monthly Payment
6.25% to 16.25% APR*
$25 or 2% of balance, whichever is greater

*APR is Annual Percentage Rate. Membership and credit qualifications may also apply. Rates are based on your credit score, are subject to change without notice, and may vary after account is opened. 


Share Secured Visa

Secured by a savings account.

Purchase & Cash Advance Rate
Minimum Monthly Payment
14.90% Fixed Rate
$20 or 3% of balance, whichever is greater

*APR is Annual Percentage Rate. Membership and credit qualifications may also apply.


Platinum Northwest Rewards Visa

Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate
Minimum Monthly Payment
Rewards
8.25% to 17.25% APR*
$25 or 2% of balance, whichever is greater
  • 1.5 Rewards Points for every $1 purchase
  • 1.5% Cash Back**
  • Opening bonus

Visa Disclosures

Details about Visa Rewards Program

Visa Card Agreement 

Service Fees and Charges

Apply for a Vehicle Loan


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
Annual Percentage Rate*
New vehicles as low as 3.29% APR
Used vehicles as low as 3.49% APR

*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
Option
How it Helps
Guaranteed Asset Protection (GAP)
This option is a promise to protect your car loan in case you find yourself owing more than its worth in the event of a total loss. You have the first year of your loan to add GAP coverage. You can add GAP to your loan at any time. If you owe less than the vehicle’s worth, ask about our Depreciation Protection Waiver (DPW)
Mechanical Breakdown Protection (MBP)
This is an optional added vehicle protection plan that shields you from the cost that can occur with unexpected mechanical or electrical breakdowns. It includes 24/7 roadside assistance and a towing/rental car allowance. Plan now so you'll be covered later
Northwest Protect (NWP)
This is an optional debt cancellation service that helps cover payments when the unforeseen life events come up. We never want you to worry about missing a payment for circumstances out of your control.
Depreciation Protection Waiver (DPW) This is an optional debt cancellation service that covers the depreciation of your vehicle in the event of a total loss. You can add this coverage to your loan at any time. DPW is ideal if you have equity in your vehicle.

*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.

Apply for a Recreational Vehicle Now


Recreational Vehicles

We can help you explore the outdoors with loans for boats, motorhomes, and travel trailers! 

Annual Percentage Rate*
New recreational vehicles as low as 5.24% APR
Used recreational vehicles as low as 5.74% APR


Power Sport Vehicles

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

Annual Percentage Rate*
New power sport vehicles as low as 5.74% APR
Used power sport vehicles as low as 6.24% APR


Specialty Collateral Vehicles

Need a loan for a heavy hauler or a cargo trailer? We offer loans for vehicles with utility beds, box trucks, and cargo vans. 

Annual Percentage Rate*
New specialty collateral vehicles as low as 7.30% APR
Used specialty collateral vehicles as low as 7.80% APR

*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.

Apply for a Personal Loan


Hardship Loan

We created this loan to help members financially affected by Coronavirus (COVID-19) or the wildfires:

  • Apply online
  • Between $500 - $2,500
  • Rate: 0% for 90 days, 5.99% after 90 days*
  • Term: up to 24 months
  • First payment not due for 90 days
  • No fees

Program subject to change without prior notice. Certain terms and conditions apply.

*The Hardship Loan features 0% interest rate and no payments for the first 90-days, with a subsequent interest rate of 5.99% for the remaining 2 years. The blended APR over the entire 24-month term of the loan is 5.99%. No prepayment penalty.

A loan of $1,000 will have 24 payments of $45.00 per month, and total interest paid of $73.59. This Emergency Assistance Loan is available to affected NWCU members. Members must meet minimum qualifications established for this special program. Available loan amounts range from a minimum of $500 and a maximum loan amount of $2,500.00. This program and rates are effective as of 3/23/2020 and are subject to change at any time without prior notice.** Speak to a NWCU representative at (800) 452-9515 for more information.


Northwest Personal Loan
Interest Rate*
As low as 9.90% APR


Variable Rate Line of Credit
Interest Rate*
8.25% to 17.25% APR*

*Rates shown are Annual Percentage Rates (APR). Rates will vary depending on credit worthiness and are subject to change without notice. Loan terms available may vary depending on amount borrowed, length of contract, credit history, and payment method. Visit a branch or call (800) 452-9515 for details. All loans are subject to approval. Regular terms and conditions apply. Northwest Community Credit Union is an Equal Opportunity Lender.


Northwest Cash

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

Loan Type
Amount
Northwest Cash
From $300 to $4,000. See rates and read the Terms & Conditions.


Apply for a Home Equity Loan


Home Equity Line of Credit (HELOC)*

Our variable-rate home equity lines of credit allow you to borrow money, pay it back, and borrow again during the 10-year draw period. Our HELOCs provide flexible and convenient ongoing access to the equity in your home.

HELOC Features
  • 10-year draw period
  • Ideal for home improvement projects, debt consolidation, or tuition expenses
  • Only pay interest on the HELOC portion that you use
  • Fixed rate lock options available
  • Loans available up to $250,000
  • Variable rates as low as 3.25% APR**
  • Available in a Rewards credit card: earn points on every purchase!

*To open your account, you may need to pay for an appraisal ($695). Northwest Community Credit Union generally covers all other third party costs associated with originating home equity loans.

**APR is Annual Percentage Rate. Membership and credit qualifications apply. 

Home Equity Disclosures

Visa Card Agreement


Apply for a Home Equity Loan


Home Equity Fixed Rate Loan*

If you’re looking to take one-time equity out of your home, refinance your first mortgage with a quick a low, quick-low fee process, or have an existing mortgage you’d prefer not to refinance, this loan is a good option for you.

Home Equity Loan Features
  • Terms available up to 30 years
  • Ideal for large, one-time expenses, debt consolidation, or for those who like a fixed rate and monthly payment
  • Loans available up to $350,000
  • Fixed rates as low as 4.25% APR¹

*To open your account, you may need to pay for an appraisal ($695). Northwest Community Credit Union generally covers all other third party costs associated with originating home equity loans.

¹APR is Annual Percentage Rate. Membership and credit qualifications may also apply. 

Loan payment example: A $100,000 first position fixed rate home equity loan at 4.25% APR; 360 monthly payments of approximately $493.00. This assumes that the member is in the first lien position. 

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