Auto Loans
Refinance and Get 1.00% Cash Back!
When you refinance an auto or specialty vehicle loan you have with another lender over to NSCCU, not only will you get a great rate, flexible terms and convenient payment options; you'll also get 1.00% cash back! Stop by, give us a call or apply online today; this offer ends March 15, 2026.
*Subject to loan approval. Not valid for refinance of NSCCU loans. Restrictions apply. Maximum cash back of $599 per member. Funds will be deposited to Primary Savings after 90 days and receipt of title.
Get from point A to point B, and everywhere in between, with an auto loan from North Star. We make financing your next new or pre-owned vehicle a breeze. Easily apply online, or at one of our many convenient locations, to get pre-qualified before you go shopping. This way, you can shop in confidence knowing your approved loan amount and estimate monthly payment.
You can also look to North Star to refinance an auto loan you have with another lender; to potentially lower your monthly payment, your interest rate, or both!
- Competitive fixed rates and flexible terms
- Relationship rate discount for qualified members
- Electronic loan signing available for convenience
- Cost Effective Extended Warranty, GAP Coverage and Debt Protection Available
Specialty Vehicle Loans
North Star is here to help you enjoy all four adventure-filled seasons! We provide financing options for RVs, campers, golf carts, ATVs, ice houses, motorcycles, mopeds, boats, jet skis and snowmobiles.
- Competitive fixed rates and extended terms
- Relationship rate discount for qualified members
- Electronic loan signing available for convenience
- Cost Effective Extended Warranty, GAP Coverage and Debt Protection Available
SnoBear Loan Special
For a limited time, North Star CCU is offering a special loan for the purchase of SnoBears. Lock into affordable payments with rates as low as 5.99% APR for five years. Your monthly payments will be based off an amortization of 10 to 15 years (depending on loan amount). A final balloon payment will be due at the end of the 5-year term, which you can choose to pay off or refinance.
To apply, please contact the Devils Lake branch.
*Subject to loan approval, restrictions apply. Rates vary by individual credit. Payment example: $100,000 loan with 15-year amortization at 5.99% APR = 59 payments of $843.32 with final balloon payment of $76,842.35.
Loan Protection
Guaranteed Asset Protection (GAP) Coverage
According to Automotive News, the average new car will lose 60% of its value over 3 years of normal driving. If your car is stolen or damaged beyond repair, GAP coverage could save you a lot of money.
Most insurance policies only cover the actual cash value of your vehicle, but that amount could be far less than the balance of your loan. GAP coverage will take care of that “gap”; covering the difference between the insured value of your car and the balance of your loan.
Ask us about adding GAP Coverage to your auto or specialty vehicle loan.
Mechanical Breakdown Insurance
Protect yourself from costly repairs when a manufacturer’s warranty expires. Our Mechanical Breakdown Protection (Extended Warranty) comes with an extensive list of features to give you maximum convenience and comfort in the event of a breakdown, at an affordable cost.
- Nationwide coverage
- Comprehensive repair coverage
- Roadside assistance
- Towing
- Car rental
Ask us about adding Mechanical Breakdown Protection to your auto or specialty vehicle loan.
Debt Protection
Life can be unpredictable. Protect your financial future by requesting debt protection on your loans. Debt Protection may make your payments for you should the unexpected happen, such as death or disability.