Signature     Line of Credit     Miscellaneous Collateral     Pledge of Shares/CDs

Signature Loan Whether you need a loan for a vacation or to payoff those high interest debts with the other guys, a signature loan is a quick and easy way to get what you need. There is no need to worry about collateral and you can borrow up to $10,000 for up to 48 months.

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Line of Credit With a Northern Skies FCU Line of Credit, paying for life’s “financial surprises” is not a problem. Have peace of mind knowing that you have a revolving credit line available to you anytime with little or no paperwork. A Line of Credit can even be set up as Overdraft Protection for your share draft (checking) account in the event of a miscalculation. You’ll have low monthly payments of just 3% of the outstanding balance at a preferred rate of interest that will never exceed 15.00%.

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Miscellaneous Collateral There are times in our lives that we need to purchase that certain something that may be, well, a little bit unusual. Believe it or not, Northern Skies FCU can use anything with a serial number as collateral on a loan. Finance up to 85% of the purchase price of new items or up to 75% of the appraised value of used items with financing available for up to 84 months.

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Pledge of Shares Looking for a great way to establish or re-build your credit? Maybe you have some money set aside in your savings but don’t really want to make a withdrawal? Northern Skies FCU has the perfect loan for you. With a Pledge of Share loan, your loan will be automatically and instantaneously approved guaranteed. This is because a Pledge of Shares loan is secured by the amount that you have on deposit in your account. Not only will your finance charges be minimal, you can choose a payment that is right for you with terms of up to 144 months.

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Pledge of Certificate of Deposit A pledge of Certificate loan is similar to a Pledge of Shares loan as referenced above. Instead of being secured by the amount in your account, this type of loan is secured by a Certificate of Deposit. You still pay the same low rate of interest and you have the added convenience of no payments until the maturity date of the CD.

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