Lending Products

Mortgage Loans

Does NPCCU offer mortgages? Yes we do! Whether you're buying, building or refinancing, NorthPark Community Credit Union wants to make your home purchase as easy and stress-free as possible. We know that buying a home is probably the largest purchase you will make. And we offer our Mortgage Center that will provide you with the tools and advice you will need to make an informed mortgage decision. We offer:

• First mortgages
• Fixed and adjustable rates
• Owner occupied and investment properties
• Conventional and jumbo mortgages

For specific information not listed on our Web site, please call NPCCU and ask to speak to a Loan Officer.

Home Equity Loans

Thinking about home improvements, consolidating debts, college, or that BIG vacation? NorthPark Community Credit Union has a variety of home equity products to serve your needs. We offer:

• Home Equity Loans and Lines of Credit
• Fixed and Adjustable Rates
• Balloon Programs
• Extended Amoritization Schedules

Check out our Home Equity Loan Rates, and call a Loan Officer today!

Consumer Loans

Signature Loans

A signature or personal loan is a loan you can use for home improvements, auto repairs, vacations, debt consolidation or any other purchase. A signature loan is based solely on your credit qualifications and does not require collateral (like a home or car). For qualified members, NPCCU offers signature loans up to $25,000.00. You can apply online at loan application, at one of our branches, or over the phone. Check out our signature loan rates!

Share Pledged Loans

If you need to borrow funds for a period of time at a reduced rate, then a share pledged loan may be for you! Simply apply for the amount equal to the amount on deposit in your regular or secondary savings account and pledge the funds as collateral for the loan. This means that you must leave on deposit an equal amount of funds to cover the unpaid balance of the loan. Check out our low Share Pledged Loan rates!

Stock Secured Loans

Many of our members own Dow Chemical or Eli Lilly stock. This can be used as collateral on a loan with a substantial reduction in interest costs over other types of loans. View our low Stock Secured Loan rates.

Vehicle Loans

AT NPCCU, we offer competitive financing for new and used cars, trucks, vans, RV's, motorcycles, and boats. NPCCU offers:

• Easy, convenient pre-approval process
• Fixed rates available; ballon rates available on RV's and Boats
• Variety of terms depending on the type of auto and borrower qualifications

Apply online at loan application, give us a call, or stop by one of our branches to apply! Click on our vehicle loan rates for some of the lowest rates in town!

Protect Your Investments...and protect your financial future!  NPCCU offers a variety of products that will protect your investments as well as your loan.  We offer Mechanical Breakdown Protection (MBP) which provides protection against vehicle mechanical breakdowns above and beyond the original manufacturer's warranty.  Our Guaranteed Asset Protection (GAP) will cover the deficiency balance on your vehicle loan in the event of a total loss.  We also offer Credit Insurance that protects your family's financial future.  Please click here to learn more about these products and to receive a free quote!

Student Loan Program

Getting a college degree is a worthwhile goal.  College graduates make an average of one million dollars more than those without college degrees (www.studentloanfacts.org).  But the cost of a college education can be overwhelming for both students and parents.  That's why NorthPark Community Credit Union offers Federal Family Education Loan Program (FFELP) loans.  If you or another family member plans to attend a university. technical college, or any specialized training program, NorthPark Community Credit Union can help you with the funding you need to pursue your dreams.  Click here to learn more about our student loan program, including the online application process.

Visa Program

NorthPark Community Credit Union offers competitive rates and easy online service for our Visa cardholders! Our Visa program offers the following features:

• Up To $25,000 Credit Limit Based on Credit Qualifications
• Low Interest Rates
• No Annual Fee
• Visa Classic and Platinum Available
• No-Cost Travel Protection

    4.9% APR on NorthPark VISA credit cards!
 Transfer the balances from your higher interest rate credit cards to one of our Visa credit cards and receive a low 4.9% APR for 6 months following the posting date of the transfer!  Call NPCCU at 1-888/883-3328 for more details!

  Family Visa Credit Card!

Do you have a child in college?  What about an elderly parent?  Do you want a new way to monitor or teach your children and family members good credit habits?  NPCCU now offers the Family Visa Card!  The Family Visa Card program offers:
     Safety – equip your family members with credit they can use for school or emergencies
     Controls – spending limits are set by you, the primary account holder or parent.  A shared family       credit line with accounts for individuals as young as 15 years old
     Acceptance – use the Family Visa card at more than 20 million locations worldwide.
Call NPCCU at 888/883-3328 and ask to speak to one of our loan officers about our new Family Visa today!

NPCCU has a convenient and user-friendly online service that gives you 24/7/365 access to your Visa account. Check your balance, make a payment, find out transaction history, and check available balances at any time of the day! Click on the logo to the left to start using our VISA Online Service!

Traveling Out Of The Country?  If you are traveling out of the country for business or pleasure, please be advised that your NPCCU visa credit card is set up with additional security that blocks all foreign credit card transactions.  A simple phone call to the Credit Union Card Center at 1-800-289-5939 (Monday to Friday, 8:00 a.m. - 6:00 p.m. EST) and a member service representative can temporarily unblock your credit card to use wherever your travels may take you!  You will need to provide your  name, credit card number and the dates of your travel.  

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