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Kwik Cash

Offers you a revolving line of credit that can be accessed anywhere, anytime, through your local ATM, via our online banking system–It’s Me 247, via our audio response system–CU*Talk, or from one of our qualified tellers. As an added bonus, Kwik Cash offers overdraft protection for your Share Draft Account so you know the funds are available when you need it the most. Please visit our rates page for current Kwik Cash rates.

Home Equity

NWC offers 5, 7, and 10 year fixed rate Home Equity Loans.  Contact our loan department at 231-947-2191 for details.


MemberFirstNWC Federal Credit Union has partnered with Member First Mortgage to bring you a full line of mortgage products, including Conventional, FHA, VA and Rural Development loans.  Please visit for current rates, to make an online payment, log into your account and to apply online today!

New & Used Loans with Collateral

We offer loans with many different types of collateral (example: auto, truck, motorcycle, boat, or recreational vehicle). Your credit union offers competitive rates. Please visit our rates page for current rates for various collateral loans.

Overdraft Protection – Line of Credit

See Kwik Cash.

Revolving Line of Credit

See Kwik Cash.

Share Secured

Since this type of loan is secured by funds in your account, the interest rate is one of our lowest. This loan can also help a member who is having trouble getting credit established or if you need to re-establish credit. Please visit our rates page for current share secured rates.


A signature loan does not require collateral to obtain funds. An unsecured loan can be used for any reason such as home improvement, debt consolidation or a vacation. Please visit our rates page for current unsecured loan rates.

VISA – (Platinum and Platinum Preferred)

Platinum card features no annual fee, a 25-day grace period, auto rental insurance and a low monthly payment. Credit life insurance and credit disability insurance are available.

Platinum Preferred card features everything the Platinum card offers plus ScoreCard reward points, one million in travel accident insurance and concierge services. ScoreCard reward points available to redeem for gifts and travel awards. For every dollar spent earn one reward point. Go to for a list of merchandise and travel rewards.

Sallie Mae Student Loans

With competitive rates, multiple repayment options, and no origination fee, we have student loans to meet your needs