(641) 424 2281


Loans for almost any purpose!

Vacation/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

If you find you need additional funds to pay for college after exhausting all sources of student financial aid, we are teaming up with Iowa Student Loan to offer a private student loan option with clear terms and details provided upfront. Both undergraduates and graduate students can take advantage of this loan.

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. Call for more information.

You are now leaving North Iowa Community Credit Union

North Iowa Community Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by North Iowa Community Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL