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Loan & Card Services
Secured & Unsecured
Vehicle Loans
For all types of new or pre-owned vehicles, Northern United Federal Credit Union is the place to choose for excellent rates and terms without the hidden costs or complications often associated with dealer financing.With a wide variety of terms, we’re confident you’ll find the perfect car that fits nicely into your budget
Personal Loans
There’s isn’t a quicker way to get a fast loan than simply using your signature.Share/Certificate of Deposit Secured Loan
The Share Loan uses your share balance as collateral for the loan. The rate is typically much lower than most loan rates.Mortgages & Home Equity
Home Equity Lines of Credit and Home Equity Loans
Do you need to consolidate some debt? Use the equity that’s been building in your home to help combine multiple payments into one, or maybe you’ve decided not to move but need financing to build that addition or makeover the kitchen. Whatever the reason, our home equity line of credit or fixed rate home equity loan could be the perfect financing tool you need.Keep in mind the interest you pay is typically tax deductible. (Contact your tax advisor about this potential money saver.) The line of credit taps into your home’s equity and offers low variable APRs, adjusting semi-annually. You may borrow up to 80% of the appraised value of the home, minus the balance or the first mortgage and any other outstanding liens. The rate is set according to the Wall Street Prime rate.
The Fixed Home Equity loan has limits up to 80% of the appraised value minus the first mortgage balance and any other outstanding liens. The interest on the Home Equity loan is a fixed rate.
Mortgages
We understand the thrill and importance of finding, buying and owning a home. It's the classic American dream….. a place where families are raised and great memories are made.We also understand how financing your new home can be a rather stressful task. Proper paperwork, research and tight deadlines all play an important role toward making home ownership possible. And if you’re working with a lender you’re not familiar with, the piles of paperwork and industry slang makes things even more tense.
Our mortgage experts have proven many times over that personalized service is the difference. That’s because we’ll be there with you, step-by-step, throughout your financing. Whether you’re a first time home buyer, refinancing your current home, or a savvy investor, our professionals are well equipped to answer each and every question you might have.
Our rates are always very competitive, yet our attention to your details will help make the process go as smoothly as possible.
Other Convenience Services
Visa Gift Card
Get your gift giving needs with a prepaid card. It's like a gift certificate that can be used virtually anywhere VISA Debit cards are accepted.Gift card benefits -
• Accepted anywhere Visa Debit cards are welcomed.
• Safer than cash - if it is lost or stolen, unused portion can be replaced.
• Can be used 24 hours after card has been sold and activated.
U.S. Savings Bonds
They’re the classic, traditional gift for anyone at anytime.Northern United Federal Credit Union offers Series EE bonds in denominations of $50, $75, $200, $500, $1,000, $5,000 and $10,000 to both members and non-members. They have final maturity terms of 30 years and can be redeemed 12 months after purchase. These Bonds are issued at 50% of the face value. For example, a $50 bond costs only $25. The bonds are guaranteed to reach face value in 17 years.
We also offer Series I bonds. These are bought at face value (at $50, $75, $100, $200, $500, $1,000, $5,000 and $10,000) and the interest rate is calculated as a earning of a fixed rate of return and a semi-annual inflation rate based on the Consumer Price Index.
