If you need more financial assistance than your tax refund can provide, we’re here to help explore your debt consolidation options!
Consolidate your debt and say goodbye to financial stress:
Home Equity Loan – Make the equity in your home work for you and enjoy one of the lowest-interest debt consolidation options.
Personal loan – A personal loan with Northern allows you to pay off your outstanding debts by combining them into one lower-interest loan.
Balance transfer – Move your high interest rate debt to a Northern Visa credit card featuring no balance transfer fees and 0% intro APR***.
Plus, for a limited time only you can earn $250 Cashback** at loan closure!
At Northern, our team is always here to discuss your best financial next steps, to help get through tight times and set you up for long-term financial success and peace of mind. Check out these financial tools to help get you on the path to financial fitness!
This revolving line of credit is the easy, hassle-free way to get the cash you need—when you need it:
To get started simply:
| Rate as low as | Term |
|---|---|
| 4.59% APR | 12-month Intro Rate |
The My Choice Home Equity Loan is a great option if you need your cash all at once or prefer the peace of mind that comes with fixed rate financing:
To get started simply:
| Rates as low as | Term |
|---|---|
| 5.41% Fixed APR | 60-months |
*Annual Percentage Rate. No Closing Cost offer dictates the following being paid by NCU: appraisal; title search; recording fees; filing fees; and flood certification. Borrowers are responsible for paying NYS mortgage tax. Closing costs must be reimbursed to the credit union if the home equity loan is closed within three years. Rate quoted is for five years at 80% LTV in noted lien positions. Alternate rates available for LTVs of up to 90% of home’s value. Rates are determined by term, overall credit history, LTV, and type of property. Conventional stick built residences and seasonal residences only. Membership required.
Rates accurate as of 7/31/2024. Rates subject to change.
To get started simply:
| Term | Fixed Rate APR (As Low As) | Sample Payment |
|---|---|---|
| 0-24 months | 9.74% | $230.13 |
| 25-48 months | 9.99% | $126.67 |
| 49-72 months | 10.24% | $93.24 |
The annual percentage rate is the advertised rate and can vary based on creditworthiness and terms of the loan. Ask about our Loan Life and Disability Coverage. Credit union membership is required. Sample payments are based on a $5,000 loan at the maximum term allotted for tier. Rates are accurate as of 06/01/2024.
| Term | APR |
|---|---|
| Revolving | 20.99% |
Interest rate and fee information
Maximum line of $25,000. Loan approval is based on credit history and overall ability to pay the loan requested. Rates subject to change. Membership required. Rates updated on 12/31/24.
| Term | APR |
|---|---|
| Revolving | 9.90% - 18.90% |
Interest rate and fee information
Maximum line of $25,000. Loan approval is based on member’s credit history and overall ability to pay the loan requested. Rates subject to change. Membership required. Rates updated on 12/31/24.
| Term | APR |
|---|---|
| Revolving | 13.90% - 19.90% |
Interest rate and fee information
Maximum line of $25,000. Loan approval is based on member’s credit history and overall ability to pay the loan requested. Rates subject to change. Membership required. Rates updated on 12/31/24. For NY residents only, call 877-667-8499 to redeem rewards up to 90 days after the account has been closed.