Additional Resources
Now Accepting Nominations
for Board of Directors or Supervisory Committee. Please contact Susan Lanahan at (360) 685-4005 or email slanahan@northcoastcu.com by March 27, 2012.
Tax Day
Income Tax Returns are due Tuesday April 17th this year. Click on the Turbo Tax icon below to receive a 10% discount on the Deluxe Edition.
Bring in Your CFL Lightbulbs!
Recycle receptacles at all branch locations
Lines of Credit
Open a line of credit with us, and you'll have funds available when you need them. It's that simple.
Over the years, credit cards have become more and more complicated. What started as a convenient way to pay for dinner quickly morphed into a way for large banks to make big profits. If you're surprised lately by an increase in rates, fees, and payments on your credit cards, consider an alternative.
We offer another option -- fair, honest, and simple-- which keeps your money local, where the loan is managed by a trusted cooperative.
A line of credit is a flexible revolving loan where the credit may be used and repaid at any time, making it available for future use. Low minimum payments give you maximum flexibility in budgeting for repayment.
Convienent Access
Your line of credit is as easy to use as any of our other accounts. Check balances, make payments and transfer funds to other accounts using Home Banking. Make it a credit card look-alike with a free Visa Debit card. If you'd like, we can even give you checks which draw directly from your credit.
So, what could you use some credit for?
- As a credit card alternative. With its lower rates and flexible repayment, it's a compelling replacement for many people.
- Just in case. If you don't use it, you don't pay any interest. When unexpected needs come your way, it's there for you.
- Overdraft protection. Instead of charging you a fee, we'll use your credit to cover any transactions which would otherwise bring your checking account into the red. Worry less about the little details—has that one thing gone through yet?—and focus more on long-term financial goals. In other words, don't sweat the small stuff.
Smart Loan
The Smart Account was our attempt to create a more thoughtful checking account. The Smart Loan is designed as a line of credit for our Smart Account, creating a powerful combination of financial empowerment.
Smart × Smart = Smart2
- No maintenance fees for the line of credit or the checking account.
- Great interest rates we hope you can't refuse. The yield on your deposits is high (above market rates), the rate on the line of credit is low. That's the way it should be.
- Ahead of the curve, designed to creatively simplify your banking with online statements and alerts, by ditching overdraft fees in favor of pre-arranging credit, and remaining steadfast in looking for ways to change things for the better.
| Smart Line of Credit | |
| Rate | 8% to 18% APR |
| Repayment Terms | Revolving, interest only payments |
| Maximum Loan | $20,000 |
| Details | Smart Checking account required to qualify. |
| Full Details |  |
| Personal Line of Credit | |
| Rate | 9% to 18% APR |
| Repayment Terms | Revolving, interest only payments |
| Maximum Loan | $10,000 |
| Details | $25 annual fee. |
| Full Details | |
