Convenient ways to finance your next purchase.
We're a local lender committed to finding the best solutions for whatever you may need. Let us help you get back to what matters most.
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Become one today!
Our Rewards credit card gives you lower rates AND better rewards.
Credit Cards
Our card is all you'll need to build credit, earn rewards, or use for emergencies.
Credit cards don’t need to be complicated. Our Visa® cards offer low rates and fewer fees than you’ll find most anywhere else. In addition, our balance transfers have no fees and share the same low rates as purchases, which make these cards a perfect balance transfer option. Learn more about our cards and how they can keep your life and wallet simple.
Northwest Visa
Variable rate based on prime plus a margin determined by your credit score.
| Purchase & Cash Advance Rate
|
Minimum Monthly Payment
|
|---|---|
| 6.25% to 16.25% APR*
|
$25 or 2% of balance, whichever is greater
|
*APR is Annual Percentage Rate. Membership and credit qualifications may also apply. Rates are based on your credit score, are subject to change without notice, and may vary after account is opened.
Share Secured Visa
Secured by a savings account.
| Purchase & Cash Advance Rate
|
Minimum Monthly Payment
|
|---|---|
| 14.90% Fixed Rate
|
$20 or 3% of balance, whichever is greater
|
*APR is Annual Percentage Rate. Membership and credit qualifications may also apply.
Platinum Northwest Rewards Visa
Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.
| Purchase & Cash Advance Rate
|
Minimum Monthly Payment
|
Rewards
|
|---|---|---|
| 8.25% to 17.25% APR*
|
$25 or 2% of balance, whichever is greater
|
|
Vehicle Loans
We offer some of the best rates in the region to help purchase or refinance new and used cars, trucks, and vans.
With plenty of options for financing terms, major mechanical protection, guaranteed asset protection (GAP) and automatic payments, we’re proud to offer hard-to-beat value and service. You can even find Premier service on-the-spot financing at dealerships throughout Oregon.
Vehicles
| Annual Percentage Rate*
|
|
|---|---|
| New vehicles as low as 3.29% APR
|
Used vehicles as low as 3.49% APR
|
*Rates will vary depending on credit qualifications, loan terms, and payment method. Loan terms available may vary depending on amount borrowed, length of contract, credit history, and collateral. All loans are subject to approval. Regular terms and conditions apply. Union Chequers Bank is an Equal Opportunity Lender.
Peace of Mind
| Option
|
How it Helps
|
|---|---|
| Guaranteed Asset Protection (GAP)
|
This option is a promise to protect your car loan in case you find yourself owing more than its worth in the event of a total loss. You have the first year of your loan to add GAP coverage. You can add GAP to your loan at any time. If you owe less than the vehicle’s worth, ask about our Depreciation Protection Waiver (DPW)
|
| Mechanical Breakdown Protection (MBP)
|
This is an optional added vehicle protection plan that shields you from the cost that can occur with unexpected mechanical or electrical breakdowns. It includes 24/7 roadside assistance and a towing/rental car allowance. Plan now so you'll be covered later
|
| Northwest Protect (NWP)
|
This is an optional debt cancellation service that helps cover payments when the unforeseen life events come up. We never want you to worry about missing a payment for circumstances out of your control.
|
| Depreciation Protection Waiver (DPW) | This is an optional debt cancellation service that covers the depreciation of your vehicle in the event of a total loss. You can add this coverage to your loan at any time. DPW is ideal if you have equity in your vehicle.
|
*Rates will vary depending on credit qualifications, loan terms, and payment method. Loan terms available may vary depending on amount borrowed, length of contract, credit history, and collateral. All loans are subject to approval. Regular terms and conditions apply. Union Chequers Bank is an Equal Opportunity Lender.
Recreational Vehicle Loans
Get financing for the heavy haulers and outdoor toys you've always wanted.
Apply for a Recreational Vehicle Now
Recreational Vehicles
We can help you explore the outdoors with loans for boats, motorhomes, and travel trailers!
| Annual Percentage Rate*
|
|
|---|---|
| New recreational vehicles as low as 5.24% APR
|
Used recreational vehicles as low as 5.74% APR
|
Power Sport Vehicles
We have loans for the fun wheels you've always wanted: motorcycles, dirt bikes, ATVs, snowmobiles, or scooters.
| Annual Percentage Rate*
|
|
|---|---|
| New power sport vehicles as low as 5.74% APR
|
Used power sport vehicles as low as 6.24% APR
|
Specialty Collateral Vehicles
Need a loan for a heavy hauler or a cargo trailer? We offer loans for vehicles with utility beds, box trucks, and cargo vans.
| Annual Percentage Rate*
|
|
|---|---|
| New specialty collateral vehicles as low as 7.30% APR
|
Used specialty collateral vehicles as low as 7.80% APR
|
*Rates will vary depending on credit qualifications, loan terms, and payment method. Loan terms available may vary depending on amount borrowed, length of contract, credit history, and collateral. All loans are subject to approval. Regular terms and conditions apply. Union Chequers Bank is an Equal Opportunity Lender.
Personal Loans
For whatever you need. Keep your options open with these products designed to make your life easier.
Hardship Loan
We created this loan to help members financially affected by Coronavirus (COVID-19) or the wildfires:
- Apply online
- Between $500 - $2,500
- Rate: 0% for 90 days, 5.99% after 90 days*
- Term: up to 24 months
- First payment not due for 90 days
- No fees
Program subject to change without prior notice. Certain terms and conditions apply.
*The Hardship Loan features 0% interest rate and no payments for the first 90-days, with a subsequent interest rate of 5.99% for the remaining 2 years. The blended APR over the entire 24-month term of the loan is 5.99%. No prepayment penalty.
A loan of $1,000 will have 24 payments of $45.00 per month, and total interest paid of $73.59. This Emergency Assistance Loan is available to affected Union Chequers Bank members. Members must meet minimum qualifications established for this special program. Available loan amounts range from a minimum of $500 and a maximum loan amount of $2,500.00. This program and rates are effective as of 3/23/2020 and are subject to change at any time without prior notice.** Speak to a Union Chequers Bank representative at +1 (757) 859-9933 for more information.
Northwest Personal Loan
| Interest Rate*
|
|---|
| As low as 9.90% APR
|
Variable Rate Line of Credit
| Interest Rate*
|
|---|
| 8.25% to 17.25% APR*
|
*Rates shown are Annual Percentage Rates (APR). Rates will vary depending on credit worthiness and are subject to change without notice. Loan terms available may vary depending on amount borrowed, length of contract, credit history, and payment method. Visit a branch or call +1 (757) 859-9933 for details. All loans are subject to approval. Regular terms and conditions apply. Union Chequers Bank is an Equal Opportunity Lender.
Northwest Cash
Apply for Northwest Cash through eBanking for quick, easy access to money without pulling your credit.
| Loan Type
|
Amount
|
|---|---|
| Northwest Cash
|
From $300 to $4,000. See rates and read the Terms & Conditions.
|
Use Your Home's Equity
Home equity loans can help you make home improvements, consolidate debt, and more.
Apply for a Home Equity Loan
Home Equity Line of Credit (HELOC)*
Our variable-rate home equity lines of credit allow you to borrow money, pay it back, and borrow again during the 10-year draw period. Our HELOCs provide flexible and convenient ongoing access to the equity in your home.
| HELOC Features
|
|---|
|
*To open your account, you may need to pay for an appraisal ($695). Union Chequers Bank generally covers all other third party costs associated with originating home equity loans.
**APR is Annual Percentage Rate. Membership and credit qualifications apply.
Apply for a Home Equity Loan
Home Equity Fixed Rate Loan*
If you’re looking to take one-time equity out of your home, refinance your first mortgage with a quick a low, quick-low fee process, or have an existing mortgage you’d prefer not to refinance, this loan is a good option for you.
| Home Equity Loan Features
|
|---|
|
*To open your account, you may need to pay for an appraisal ($695). Union Chequers Bank generally covers all other third party costs associated with originating home equity loans.
¹APR is Annual Percentage Rate. Membership and credit qualifications may also apply.
Loan payment example: A $100,000 first position fixed rate home equity loan at 4.25% APR; 360 monthly payments of approximately $493.00. This assumes that the member is in the first lien position.
