Loans
HO HO HO Holiday Cash Loan
Need help with holiday expenses or end of year taxes?
Loan up to $1,200 for 12 months with rates from 5.5%APR up to 15.5%APR*.
**Payment Example: 12 monthly payments of $103 for 1,200.00 borrowed at 5.5%APR. *Interest rate of loan is based on credit score. Some additional restrictions may apply. This rate may be discontinued at any time. Available from November 1st, 2024 to December 30th, 2024.
Holiday Skip-A-Pay available November 2024 through January 2025.
Rates are dropping on Used Auto Loans!
5.99%APR* New or 2024-2021 models 6.99%APR* 2020-2016 models
7.99%APR* 2015 & older models
*Payment Example: 62 monthly payments of $18.79 for each $1,000.00 borrowed at 5.99%APR, 62 monthly payments of $19.26 for each $1,000.00 borrowed at 6.99%APR, or 62 monthly payments of $19.74 for each $1,000.00 borrowed at 7.99%APR. Terms of the loan are based on the year of the vehicle and requires the borrower(s) to have a credit score of 675 or higher. Some additional restrictions may apply. Not available on existing NWMRCU loans. This rate may be discontinued at any time.
Need a Vehicle but have a Low Credit Score?
With a credit score of 674 or lower you may receive a 2%APR* decrease on the regular interest rates on all used vehicle loans!
*TERM OF LOAN IS BASED IN THE YEAR OF THE AUTO. REQUIRES AN APPROVED LOAN APPLICATION. Not available on existing NWMRCU loans. CERTAIN RESTRICTIONS MAY APPLY. PROMO MAY END AT ANYTIME.
Vehicle loan with another lender? Refinancing is as easy as 1,2,3:
We gather information and the title from you,
your loan documents are sent to you for electronic signing or signed in the office,
we pay off the other lender with the loan proceeds, and update the lien on your title.
In the interest of better assisting our members with their financial needs, we offer several loans with an interest rate structure based on credit score.
New & Used Autos
Before shopping for a new or used vehicle, get pre-approved for an auto loan. We are here to help you get the best interest rate with no hidden fees, costly extras, or add-ons.
New auto loans as low as 7%APR*, Used auto loans as low as 7.5%APR*, and Vintage/Antique auto (over 35 years old) loans as low as 6.99%APR*.
Possible 100% JD Power/NADA value or MSRP financing for qualified credit scores and approved applications. Rates are subject to change at anytime.
Share Secured
A share-secured loan uses your shares in the credit union as collateral. It’s the easy way to keep the money in your share account earning dividends while you are using the funds from the loan. Contact the credit union for our competitive rates and all the details.
Signature
Your signature is all that is needed to secure this loan. Loan amounts up to $5,000 with terms 90 days to 44 months at competitive rates as low as 7.5%APR*, depending on your application and credit rating.
Recreational Toys
Loans for those toys that make the work week bearable!
We offer loans for new and used boats, ATVs, UTVs, motorcycles, RVs, campers, and trailers too. Interest rates as low as 6.75%APR*.
Line-Of-Credit
With our line-of-credit overdraft protection, you’ll have peace of mind if your account falls short your overdraft will cover a that check or automatic payment. Loan amounts are available up to $500 with as low as 12.5%APR*. There is a $30 monthly payment if a balance is carried. Approval based on creditworthiness.
Helping Hands Loan
A $500 loan to help members with the unintended expenses of life. Repayment over 90 days at 25%APR* interest with an average payment of $173.66(depending on initial due date). $25.00 application fee applies regardless of approval.