Rest assured that your funds are safe and North Coast is strong. Click here to read a message from our President.
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.
Click on the corresponding link below to learn more and apply.
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 credit cards and loans based on qualifications and collateral conditions. *APR=Annual Percentage Rate.
Vehicle
| Type | Repayment Terms | Rate (Range) |
|---|---|---|
| NEW / USED VEHICLES | 1- 84 Months | 5.470% to 17.990% APR* |
| NEW / USED MOTORHOMES | 1- 120 Months | 7.125% to 10.500% |
| BOATS, MOTORCYCLES, ATVS, JET SKIS, HORSE TRAILERS and SNOWMOBILES | 1- 60 Months | 8.000% to 9.875% 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.
Real Estate
| Type | Repayment Terms | Rate (Range) |
|---|---|---|
| LOT LOANS (Serviced Lots) | 5/1 Adjustable rates, up to 30 year amortization | 9.000%-9.500%APR* with 1% Fee |
| REAL ESTATE | click to see today's rates | |
| HOME EQUITY 2nd LIEN | 5/1 Adjustable rates for 30 years | 8.500% - 11.500% APR* with 1.00% fee |
| HOME EQUITY LINE OF CREDIT (HELOC) 5yr draw | 20 years - 5 year draw and 15 year repayment | 7.500% - 10.500% APR* (Variable Rate) |
| NON-EQUITY HOME LOAN (Under $20,000) | Fixed up to 120 months | 9.750% to 13.750% APR* |
APR = Annual Percentage Rate
Personal
| Type | Repayment Terms | Rate (Range) |
|---|---|---|
| PERSONAL LOAN UNSECURED | Monthly payments up to 60 months | 11.000% to 19.000% APR** |
| SMART LINE OF CREDIT | Interest only Payments | 15.500% to 17.000% APR* (Variable Rate) |
| LINE OF CREDIT - UNSECURED | Interest only Payments | 16.500% to 18.000% APR* (Variable Rate) |
| CD SECURED | CD must be pledged throughout term of loan | Certificate Rate plus 4.000% APR* |
| SHARE SECURED | Up to 10 Years | Share Rate plus 4.000% APR* |
APR = Annual Percentage Rate
Credit Card
| Type | Repayment Terms | Rate (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
Making A Payment from an Outside Source
Use Magic Wrighter to make payments from another financial institution to your North Coast Loan or Credit Card.
When using a debit card there will be a processing fee, but same day posting. If you use a checking account, please have your account number and routing number available. There are no fees for this option, but there will be a delay in posting. If a payment is processed on a Friday it will post the next business day. You will receive an email confirmation once the payment is deducted from your account, so a current email is required. Any changes need to be made three full business days prior to the due date. When using Magic Wrighter you are the only one that can make changes, including cancelling automatic payments when the loan is paid in full. North Coast is unable to make any changes.
