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Loans


Northern Star has a loan for you at any stage of your life. Our application process is simple and fast and our rates are some of the most competitive around. Northern Star boasts some of the most competitive loan rates in the area. Any of our Northern Star loans or lines of credit can be accessed online through e-Branch or over the phone through TelSTAR. Applying for a loan is easy; applications can be taken in person or online.

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.


cuScholar - Private Student Loans

Are federal loans not enough to cover the cost of your college education? The cuScholar Loan can be the answer to your funding needs. It takes less than 15 minutes to apply.

  • 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 CU Student Loan site to sign up today.

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cuGrad – Private Student Loan Consolidation

Simplify your finances with the cuGrad Private Student Loan Consolidation from Northern Star Credit Union.

  • 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.

Visit our CU Student Loan site to sign up 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.

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First Mortgage Loan

At Northern Star Credit Union we tailor your loan around your specific needs. We want you to have the best experience and loan product to meet your goals.

We offer a number of mortgage loan products such as:

  • FHA Loans
  • VA loans for active duty, veterans and reservists
  • Rural loan programs with no money down
  • Condo loans
  • Jumbo loans
  • Fixed or Adjustable rates available
  • Remodeling loans
  • Investment property loans
  • Vacation and second home loans
  • 15 year, 20 year and 30 year loans

Contact us today to learn more about purchasing or refinancing a home.

Click here to start your Mortgage Loan application process.

There may be a closing cost reimbursement for any Northern Star Home Equity Loan or Line of Credit that is paid off in the first 24 months of the term.

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Second Mortgages & HELOCS

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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 has unsecured loans, also known as Signature loans. Northern Star Unsecured loans can cover a broad range of needs, from debt consolidation to medical needs to any other reason you may need. Terms available are up to 36 months, and Payment Protection is available with all Unsecured loans*.

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

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

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VISA Credit Card

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VISA is a premier revolving line of credit accepted worldwide that goes with you anywhere your wallet does. Northern Star's VISA credit card carries a low non-variable rate, with no annual fee, only a 2% Minimum Payment of outstanding balance, and a point-based rewards program known as Rewards! Online access to your Visa credit card is also available through Northern Star Credit Union’s e-Branch.

Please be advised, if you plan to leave the country and/or make transactions outside of your home state, you must give Northern Star Credit Union notice prior to your intent to use your VISA Credit Card. To change your PIN number, or report a lost or stolen VISA Card (Credit or Debit Card), please use one of the phone numbers listed here.

Click here to apply online for a Northern Star VISA credit card.

Debit card and credit card processing is done through Vantiv, a partner with Northern Star Credit Union. Vantiv may call or text you regarding security matters or suspicious activity with your card. They may go over a list of purchases you have recently made with your plastic cards, however they will never ask for any personal information such as PINs, account numbers, passwords, or other private information. Vantiv may ask for the last four digits of your social security number or your address to verify your identity when they call you.

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

Asset & Liability Protection Services


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Northern Star offers a variety of asset and liability protection plans*:

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.

Mechanical Repair Coverage is competitively priced and flexible protection from unexpected vehicle repairs after the manufacturer's warranty expires.

GAP Insurance helps pay the balance of your loan in the unlikely event you have totaled your car and can make a down payment on your next auto loan with us.

*Pending certain conditions, stop by or call Northern Star for more details.