Choose the loan that best suits you

There's a NCCU loan product to help you achieve your personal financial goals, whether they're large or small, short or long term focused.

Debit Consolidation12.00%
Personal Loans10.00%

*Personal Loans can be accessed for a variety of services including weddings, funeral expenses and more.

We offer Personal Secured Loans, Line of Credit and Small Business Loans across a variety of business sectors.

Small Business Loans for Big Dreamers

Do you have a dream to own a Small Business? Are cash flow worries holding your business back from achieving its potential? NCCU Small Business Loans could be the answer. We can help you manage your cash flow and prepare for growth

With a NCCU Small Business Loan, your business will have working capital and cash available when you need it. We offer greater flexibility in repayment terms and lower monthly payments. Use it to fuel the growth of your start-up or existing company.

Your loan officer will help you identify opportunities and create a customized program that maximizes your borrowing potential. In all cases, your lending team will address your needs and answer your questions promptly and completely. Offering a more personal touch is one of the many ways we are working to give you the choices and value you deserve from your financial institution.

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Line of Credit

Give yourself peace of mind. When your account dips below zero, a personal line of credit linked to your checking account can help you avoid overdraft fees. Perfect for both planned and unexpected expenses, take money from your line of credit when you need it. Best of all, only pay interest on what you borrow.

Personal Secured Loans

Borrow the amount you need all at once and pay it back with a predictable monthly payment. In the past we have funded loans in a variety of categories such as:

Housing & Land
Furniture & Appliances
Medical Treatment
Funeral Services

Debt Consolidation

Small Business Loans

Get the financial solutions that make sense for your business. We offer a wide variety of loans with personalized service backed by the strength of the Federation's leading Credit Union. In the past we have funded loans in a variety of categories such as:

Agriculture & Fishing
Manufacturing & Retailing

Taxi & Mini-Bus

Printing & Publishing

Monthly Payment Calculator

Our payment calculator helps you determine your monthly payment. To compare loans with different terms, interest rates and/or loan amounts, just tell us your information and select "Calculate."

Disclaimer: We provide these tools and calculators as a resource to help you evaluate lending products. Results are only estimates and we don’t guarantee the results or your ability to receive the loan terms. If you have questions about your specific financial situation, contact your financial advisor.


  • You must be a member of the NCCU for three (3) months before you can qualify for a loan above your savings.
  • Your minimum savings must be at least 10% of the amount you wish to borrow, with the exception of loans for vehicles, vacation and travel which require 20% or higher.
  • You should be gainfully employed and be able to provide evidence of a regular source of income.
  • You must be able to provide adequate security such as Certificate of Title, Bill of Sale, Life Insurance Policy, Investment Certificates, Co-maker, etc.
  • You must have a good credit history.

It's easy to get started! Simply complete our Contact Form or call 1-869-469-5634 to arrange a free consultation.