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Lending

Loans for almost any purpose! 

Consumer Loans Online Loan Application 

Maybe you need to take a vacation. Is there something that needs to be fixed? Whatever the case may be, NICCU is here to help. Let us know what the situation calls for and we will let you know how to get it done.

New and Used Vehicle Financing 

Next time you need a car, remember NICCU. We get it done! The vehicle loan process is extremely quick and easy. The application is one short page and we can usually have an answer to you within hours. Stop in today and speak with a loan officer about our vehicle financing options.

Share Secured Loans 

If you have the money but don't want to get into it, we'll loan you the money and pledge your shares. Whatever the purpose, it doesn't matter. Just let us know you need it done and we get it done! Share secured loans will save you interest compared to traditional consumer loans, but the funds must be deposited here at NICCU.

FHA Title I Home Improvement Loans 

For home improvement projects or a new mobile home purchase, FHA Title 1 Loans are available. These are federally insured by the Department of Housing and Urban Development (HUD) and provide financing for almost any home improvement. Financing for up to $25,000 and flexible repayment terms without equity guidelines.

Home Equity Loans 

Why borrow against your home? Home equity loans are a great way to borrow money. Generally, other lines of credit come with higher interest rates. This type of loan, if used properly, allows you to borrow sensibly for whatever your need may be. Borrow up to 75% of the appraised value of your home (minus balances on any mortgages).  Contact us for further details. 

Residential Mortgage Lending 

Realizing that buying a house can be a thrilling yet challenging experience, we have developed a residential mortgage program with benefits. We offer in-house mortgages and secondary market mortgages at very competitive rates and terms.

School Loans 

Iowa Guaranteed Student Loans and Parental Loans for students are federally insured programs for college educations. Both undergraduate and graduate financing is available through Iowa Student Loan. For more info visit www.studentloan.org. Although NICCU does not offer Student Loans, please check with us for other education purpose loans. 

Loan Guidance 

Whether it's a question about buying a new car or truck, a problem with budgeting or obtaining credit, we are here to help with confidential loan guidance. Just set up an appointment. No matter what your need, we're here to help in the best possible manner.

Credit Life/Loan Protection Insurance 

Eligible borrowers find it reassuring to know that North Iowa Community Credit Union offers Credit Life Insurance. This coverage would provide payment of debtor's loan in the event of death, freeing family members from the burden of repayment.

Credit Disability Insurance 

Offered at minimal cost to eligible borrowers, Credit Disability Insurance protects your loan should you become ill or disabled.

Business Loans 

NICCU has partnered with Community Business Lenders to offer all of our business members and prospective members a comprehensive solution to your borrowing needs. For more information visit cblenders.com

Equal Housing Lender Equal Housing Lender