If you need funds to cover unexpected or major expenses — from home repairs to medical emergencies — look no further than the equity built in your home.

Let Northwoods CU turn it into a loan for anything you need. We make it easy with competitive rates, flexible terms, and quick local decisions for fast results.

• Use your home equity to get the funds you need
• Competitive rates
• Flexible terms and affordable payments
• Local decision-making
• Professional, friendly service from people you know
• Interest typically tax deductible*
• Take steps to protect you and your family in case something unforeseen happens with Debt Protection

*Ask a tax advisor

If you need funds to cover unexpected or major expenses — from home repairs to medical emergencies — look no further than the equity built in your home.If you need funds to cover unexpected or major expenses — from home repairs to medical emergencies — look no further than the equity built in your home.

Let Northwoods CU turn it into a loan for anything you need. We make it easy with competitive rates, flexible terms, and quick local decisions for fast results.

• Use your home equity to get the funds you need
• Competitive rates
• Flexible terms and affordable payments
• Local decision-making
• Professional, friendly service from people you know
• Interest typically tax deductible*
• Take steps to protect you and your family in case something unforeseen happens with Debt Protection
• *Ask a tax advisor

Fixed interest rate and flexible term options of 10, 15, 20 or 30 years

A conventional home loan with a fixed interest rate as low as 3% down.

Down payments as low as 3.50% with more relaxed guidelines than Conventional Mortgages.

Great option for our military with 0% down and no private mortgage insurance is required

Provides opportunities for people with low to moderate income to become homeowners with 0% down. Qualified properties must be in designated areas as defied by USDA, most of Carlton County is approved.

When your home or your credit score doesn’t meet conventional financing, a 5/1 arm could be an option! This product has a fixed rate for the first five years and may adjust yearly after that based on the market rate but never more than 2% per year or 6% over the life of the loan.

Our 5/1 Arm Land Loans are a great option when purchasing hunting land or land to build on in the future. Minimum 10% down.