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Loans


Northern Star CU offers a variety of loans to meet you at each stage in life. We work with all levels of credit, including the paycheck-to-paycheck crew.

Our student loans also apply to grad school and qualifying MBA programs. Our unsecured personal loans give you peace of mind with fixed monthly payments and short terms. Our VISA rate is one of the lowest in the 757. Our liability protection covers you when you least expect it.

*Based on certain conditions. Call us at 757-487-3474 or send us a message via Home Banking. Check the Rates Page for the latest information.

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Student Loans

Seeing a child graduate is a proud moment and sending them to college is an exciting time. However, the thought of paying for college can be overwhelming. Northern Star is here to help you pay for your child's education. We offer our credit union members one of the lowest rates on private student loans. For more information about how to plan for college, visit our College Planning Center to learn about schools, scholarships, and the ROI on your degree choice. Click HERE for more information.


Private Student Loans

Are federal loans not enough to cover the cost of your college education? Our Private Student Loans may be the answer to bridging the financial gap between your budget and the cost of attendance. The application takes less than 15 minutes to complete.

  • Borrow as little as $2,000 or up to Cost of Attendance per year for a maximum of $120,000 in undergraduate loans or $160,000 in graduate loans.
  • Choose between making interest payments or a nominal $25 Proactive Payment towards the loan while in school.
  • Use the funds for any qualified educational expense, including past due tuition bills.
  • Quick approval once we receive your completed application.

Visit our Visit our Private Student Loan site to apply today.

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Private Student Loan Consolidation

Simplify your student loans into one easy payment with our loan consolidation.

  • Refinance and consolidate as little as $7,500 or as much as $125,000 in undergraduate private student loan debt or $175,000 in graduate debt.
  • Choose between paying interest only for first 4 years of repayment or standard level repayment the whole term.
  • Quick approval once we receive your completed application.
  • Receive interest rate deductions when you set up automatic payments.

Visit our Visit our Loan Consolidation site to apply today.

New & Used Auto Loans

Northern Star can finance your vehicle up to 100% of its value, terms are available up to 84 months for new and used automobiles.* In addition to financing your vehicle, Northern Star offers some great add-ons to protect your investment, including Payment Protection and a Mechanical Repair Coverage.

Click here to apply online for a Northern Star Auto Loan.


Second Chance Auto Loans

Need to buy a car, but worried about financing?

The Second Chance Loan is for people who are looking for a do-over to get a reliable automobile. With the second chance auto loan, you benefit with:

  • Credit repair
  • Rewarded for good payment history
  • Lower interest rate
  • Possibly find your car, if stolen
  • Comfortable payments

Click here to apply online for The Second Chance Loan.

*Pending certain conditions, stop by or call Northern Star for more details. Check our rates page for the latest rate information.


TRUECar

Want to buy like an insider? Get upfront pricing from Certified Dealers, see what others paid for the same make and model, and get guaranteed savings. Click here for more information.

a woman driving a car

Second Mortgages & HELOCS

fresh lick of paint

Take advantage of the equity in your home with either a Second Mortgage loan or a Home Equity Line of Credit (HELOC). Both options offer a unique way to suit your particular borrowing needs. Low closing costs and Payment Protection have made Northern Star's home equity products a favorite among our members for many years. Terms available for the Northern Star Second Mortgage and HELOCs are up to 180 months.

Click here to apply online for a Northern Star Home Equity product.

Unsecured Loans

Northern Star offers unsecured personal loans (aka Signature loans) to cover a broad range of needs.

Our loans can be used for car repairs, weddings, medical bills, elective surgery, HVAC upgrades, energy saving improvements, and any other reason you may have.

Terms are available up to 36 months and Payment Protection for those "just in case" times.

APPLY TODAY

father and son fixing a car

VISA Credit Card

business lunch at a restaurant

Our VISA goes where you go. Three reasons why you’ll love our Credit Card:

  1. Our low non-variable rate easily beats local competitors and big businesses.
  2. Earn 1 reward for every dollar you spend. See sample rewards HERE.
  3. NO annual fee

APPLY TODAY

Rather than wasting money on high-interest store cards, skip the stress and get the best with our VISA Credit Card. Apply today by selecting ‘VISA Credit Card’ on our loan application page.

Access your VISA online through Home Banking or the Mobile App. For your protection, we ask that you give us prior notice if you plan to leave your home state.

To change your PIN, report a lost or stolen VISA, or dispute a charge, please contact the numbers listed here. Members are able to make a 2% minimum payment on outstanding balances. Debit and credit card processing is done through our partner – FISGlobal (previously Worldpay and Vantiv). The company may call or text you regarding security matters, suspicious activity, or recent purchases made with your card. You may be required to confirm the last four digits of your social security number or your home address for verification purposes. However, FIS will never ask for any personal information such as PINs, account numbers, passwords, etc.

Asset & Liability Protection Services


Northern Star offers a variety of asset and liability protection plans* to support your life:

Payment Protection can help the member in different ways. It can cover your loan in the event of death, disability, and involuntary unemployment up to the policy maximums.

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Mechanical Repair Coverage protects you from mechanical breakdowns. We offer competitive prices and flexible protection to cover three levels of coverage after the manufacturer’s warranty expires. All plans include towing/wrecker service, gasoline delivery, flat tire change, battery-jump and lockout services, rental car reimbursement, trip interruption coverage for meals and lodging, and qualifying manufacturer’s deductible reimbursement.


GAP

GAP (Guaranteed Asset Protection) helps waive the balance of your auto loan in the unlikely event you have totaled your car and can make a down payment on your next auto loan with us.

GAP infographic

If your vehicle is ever totaled or stolen your primary insurance will usually only pay for the current market value of your vehicle. If the cash value for your car is less than your remaining balance, the result could be a financial gap between the loan balance and insurance settlement. This ‘gap’ could cost you thousands of dollars out of pocket. Gap Plus provides the added benefit of a $1,000 deduction towards your next vehicle loan with us, if financed within 90 days of the GAP claim settlement.


*Pending certain conditions. Visit a branch location or call us at 757.487.3474 for more information.