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Need Money

We all have unique needs and circumstances. At North Coast we understand this and look forward to discussing all of the many loan options available to you. If you would like to meet with us please make an appointment to visit your neighborhood branch by calling 800-696-8830 or sending an email to memberservice@northcoastcu.com. You can also apply for your loan from this page or by calling us. And if you are not a member yet, don’t hesitate to contact us, we want to provide you with the same informative, friendly service we’re known for. 

Please don’t send any secure information in an email.  

We love to say YES! We evaluate and approve our loans locally and we don't sell our loans to other institutions. We listen carefully, so tell us your story, and we will work hard to match you with the loan that best meets your needs.

We approve loans based on qualifications and collateral conditions.  *APR=Annual Percentage Rate.

Vehicle

TypeRepayment TermsRate (Range)
NEW / USED VEHICLES 1- 84 Months 2.470% to 17.490% APR*
NEW / USED MOTORHOMES 1- 120 Months 5.375% to 8.750%
BOATS, MOTORCYCLES, ATVS, JET SKIES, HORSE TRAILERS and SNOWMOBILES 1- 60 Months 6.375% to 8.250% APR*

APR= Annual Percentage Rate.  Your rate will be within the range shown above and is based on your credit history, term of the loan, amount being financed, and, if applicable, age of collateral.  Above rates include discounts for Direct Deposit and Auto Pay.  

Real Estate

TypeRepayment TermsRate (Range)
LOT LOANS (Serviced Lots) 5/1 Adjustable rates, up to 30 year amortization 6.750%-7.250%APR* with 1% Fee
REAL ESTATE click to see today's rates
HOME EQUITY 2nd LIEN 5/1 Adjustable rates for 30 years 5.250% - 8.250% APR* with 1.00% fee
HOME EQUITY LINE OF CREDIT (HELOC) 5yr draw 20 years - 5 year draw and 15 year repayment 3.250% - 7.250% APR* (Variable Rate)
NON-EQUITY HOME LOAN (Under $20,000) Fixed up to 120 months 6.500% to 10.500% APR*

APR = Annual Percentage Rate

Personal

TypeRepayment TermsRate (Range)
PERSONAL LOAN UNSECURED Monthly payments up to 60 months 8.500% to 17.000% APR**
SMART LINE OF CREDIT Interest only Payments 13.000% to 16.250% APR* (Variable Rate)
LINE OF CREDIT - UNSECURED Interest only Payments 14.000% to 17.250% APR* (Variable Rate)
CD SECURED CD must be pledged throughout term of loan Certificate Rate plus 3.000% APR*
SHARE SECURED Up to 10 Years Share Rate plus 3.000% APR*

APR = Annual Percentage Rate

Credit Card

TypeRepayment TermsRate (Range)
CREDIT CARD Monthly payments minimum 1.5% of balance BIG Rewards Credit Card 11.99% to 16.99% APR*
Monthly payments minimum 1.5% of balance No Fee Credit Card 13.99% to 17.99% APR*

APR = Annual Percentage Rate