Need to borrow with confidence? We offer competitive loan products designed to support your life’s biggest milestones and unexpected moments — all with transparent terms and local decision-making.

Auto Loans

Drive your dream with Northern Shores Credit Union’s auto loan options.

• Loans for new and used vehicles

• Up to 100% financing available

• Low fixed interest rates

• Fast pre-approvals and refinancing options

Our loan officers are here to walk you through dealership negotiations, vehicle values, and payment planning.

Personal Loans

Flexible, unsecured loan options that can be used for:

• Medical bills

• Home repairs

• Travel and vacations

• Debt consolidation

• Emergency expenses

Features include no collateral requirement, fixed rates, and terms up to 60 months.

Home Loans

Whether you’re buying your first home, upgrading, or refinancing, we offer a suite of mortgage options:

• Fixed-Rate Mortgages

• Adjustable-Rate Mortgages (ARMs)

• First-Time Homebuyer Programs

• FHA and VA Loans

• Home Refinance Options

We offer pre-approval services and work closely with local real estate professionals to make your home-buying journey as smooth as possible.

Home Equity Loans & HELOCs

Turn your home’s equity into a financial tool:

• Home Equity Loans: Lump-sum loans with fixed terms and rates

• Home Equity Lines of Credit (HELOCs): Flexible access to funds as needed, ideal for ongoing projects

Perfect for home renovations, tuition, or unexpected expenses.

Credit Cards

Our credit cards come with powerful perks, low rates, and no hidden fees.

• Platinum Rewards Card – Earn points on every purchase

• Low-Rate Classic Card – Ideal for balance transfers and large purchases

• Student Card – Credit-building tools with parental guidance features

All cards include fraud protection, real-time alerts, and mobile wallet compatibility.