Credit Cards, Auto & Personal Loans at Northwest Community Credit Union

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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Need help finding your next vehicle?

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Credit Cards

Our card is all you'll need to build credit, earn rewards, or use for emergencies.

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
11.50% to 21.50% 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
13.50% to 22.50% APR*	$25 or 2% of balance, whichever is greater	1.5 Rewards Points for every $1 purchase 1.5% Cash Back**

**Cash Back is credited to your Visa balance.

Visa Disclosures

Details about Visa Rewards Program

Visa Card Agreement

Service Fees and Charges

Vehicle Loans

We offer some of the best rates in the region to help purchase or refinance new and used cars, trucks, and vans.

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 7.14% APR	Used vehicles as low as 7.59% 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.

Recreational Vehicle Loans

Get financing for the heavy haulers and outdoor toys you've always wanted.

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 8.49% APR	Used recreational vehicles as low as 8.99% 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 8.99% APR	Used power sport vehicles as low as 9.49% 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 9.30% APR	Used specialty collateral vehicles as low as 9.80% APR

Personal Loans

For whatever you need. Keep your options open with these products designed to make your life easier.

Apply for a Personal Loan

Northwest Personal Loan

Interest Rate*
As low as 9.90% APR

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.

Use Your Home's Equity

Home equity loans can help you make home improvements, consolidate debt, and more.

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 8.50% APR** Available in a Rewards credit card: earn points on every purchase!

*To open your account, you may need to pay for an appraisal. The fee for an appraisal is generally $695, but may range up to $950 in certain situations. 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, 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 7.74% APR¹

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 7.74% APR; 360 monthly payments of approximately $718.22. This assumes that the member is in first lien position.

Personal Checking Monthly Fees
Northwest Checking	Free
Northwest Secure Checking	$4.00
Essential Checking (with eStatements)	$8.00
Essential Checking (if not signed up for eStatements)	$9.00

Related Checking Fees (personal or business)
Stop payment, per item, per range or sequence	$28.00
Paid or returned overdraft (NSF) fee, per item (check, ACH, or Bill Pay)	$28.00
Overdraft transfer fee, per occurrence	$3.00

Automated Teller Machines (ATM)*
Withdrawal/inquiry at non-CO-OP network ATM	$1.50
New card issuance and anniversary date thereafter	$10.00

Credit/Debit Cards
Copies of charge slips (per transaction)	$10.00
Replace card	$5.00
Emergency card issuance	$50.00

Wire Transfers
Direct wire transfers inside the USA	$25.00
Direct wire transfers outside the USA	$55.00

Borrow

Convenient ways to finance your next purchase.

Need help finding your next vehicle?

Credit Cards

Northwest Visa

Share Secured Visa

Platinum Northwest Rewards Visa

Vehicle Loans

Vehicles

Peace of Mind

Recreational Vehicle Loans

Recreational Vehicles

Power Sport Vehicles

Specialty Collateral Vehicles

Personal Loans

Northwest Personal Loan

Northwest Cash

Use Your Home's Equity

Apply for a Home Equity Loan

Home Equity Line of Credit (HELOC)*

Apply for a Home Equity Loan

Home Equity Fixed Rate Loan*

How to Make a Loan Payment

Here's What to Do After Getting an Auto Loan

How to Redeem Your Rewards Points

Miscellaneous
Membership fee	$10.00
Paper State service charge	$2.00/each
Closing checking or savings within 180 days of opening account	$15.00
Inactive checking (no activity has occurred on a checking account for 90 days with a balance of less than $1,000)	$5.00 per month
Dormant account fee (no activity on any of your accounts for more than one year)	$5.00 per month
Single service fee (member only has savings account with less than $100 and is age 19 or older)	$5.00 per month
Undeliverable or incorrect statement address	$5.00
Foreign item fee	$25.00
Garnishment processing fee (per item)	$50.00
Research, copies, or account reconciliation, per half hour ($5 minimum)	$15.00
Returned checks on another person's account at another institution	$10.00
Returned checks on your account at another institution	$25.00
Phone loan payment using non-NWCU card	$10.00
Expedited title fee	$15.00
Cashier's checks (first check per day is free)	$2.00 per check
Declaration of loss (cashier's check)	$25.00
Check cashing (member only has savings account with less than $100 and is age 19 or older)	10% of check or $10 maximum
Skip payment request (via eBanking)	$30.00
Skip payment request (via branch)	$40.00