Northland Credit Union

   Northland Credit Union is a small community credit union serving the Inland Northwest. Northland Credit Union is located at: 9625 N Newport Highway in North Spokane, WA. Our membership is open to people who live, work, worship or go to school in Washington State.
   
   We are open Monday through Friday from 10:00 a.m. to 5:00 p.m.
Our Drive-up is open 9:00 a.m. to 6:00 p.m. Monday through Friday.
  • (509)466-3456   main office
  • (800)659-3118   toll-free
   
   If you're tired of slick-but-impersonal, large credit unions and banks, you should try Northland CU. Here you really are a part of our financial family.
   To apply securely, click below:
Membership Application

Internet Banking

Internet Banking   Northland's Internet banking lets you access your accounts and keep track of your finances:

  •       FREE INTERNET BANKING
  •       SAVINGS, LOANS AND CHECKING ACCOUNTS
  •       NO MONTHLY SERVICE CHARGE
  •       TRANSFER MONEY AND SEARCH FOR CLEARED CHECKS
  •       EXPORT INTO QUICKEN FINANCIAL SOFTWARE

Internet Bill Payment   Northland's Internet Bill Payment lets you schedule and pay your bills online:
  •       EASILY SET UP BILLS TO PAY ON TIME
  •       SET SINGLE AND RECURRING PAYMENTS
  •       YOU DO NOT NEED STAMPS OR ENVELOPES
  •       FREE FOR PREMIUM CHECKING ACCOUNTS HOLDERS

Click the button on top to go to our Internet Banking page.

VISA Cards

The Northland Platinum VISA is the perfect choice. Our VISA starts with credit lines of only $500 for the first-time credit card user or members trying to re-establish their credit. Northland also offer a share-secured VISA credit card for those who cannot qualify for a credit card anywhere else. Our credit card offers a low fixed interest rates as low as 7.9% a.p.r. and a 25 day grace period. There is no annual fee and no interest if you pay your balance off monthly. Northland does charge a 2% a.p.r.* interest rate premium for cash advances.

Our Northland VISA Debit Card is really two cards in one. It works as a debit card for point-of-sale transactions at grocery and department stores, gas stations and much more. It also works at any ATM bearing the VISA or other systems' logo's shown on the back of the card. As a VISA debit card, it can be presented like any VISA credit card. Using the Card as an ATM card, you can access quick cash from ATMs all over the U.S. Our VISA debit card is free with your Premium or Prime checking account. Your monthly checking statement and Internet banking will have a list of the location, or name, of all your debit card transactions.

Checking

PRIME CHECKING   With Northland's Prime Checking accounts all you pay for are your checks. There is no monthly account minimum and no service fee. Our Prime Checking includes:

  •       FREE INTERNET BANKING
  •       NO MONTHLY MINIMUM BALANCE
  •       NO MONTHLY SERVICE CHARGE
  •       FREE VISA DEBIT CARD
  •       LOW COST CHECKS

PREMIUM CHECKING   Northland's Premium Checking accounts are loaded with special features and free options you won't find in regular checking accounts at other financial institutions. Our Premium Checking includes:
  •       DIVIDENDS
  •       FREE INTERNET BANKING AND BILL PAY
  •       FREE VISA DEBIT CARD
  •       FREE FUNDS TRANSFERS

Savings

MEMBER SAVINGS   Membership Share Savings is a part of belonging to a credit union cooperative. Its the basic way to keep your savings safe and secure. So, empty your cookie jar and mattress and protect your future.

  •       NO MONTHLY FEES FOR ACTIVE ACCOUNTS
  •       FREE INTERNET BANKING
  •       FREE MEMBERSHIP SERVICES
  •       ATM CARDS AVAILABLE
  •       FEDERALLY INSURED TO $250,000

SENIOR SAVINGS   If you're 60 or older, you can open a Senior Savings in Northland Credit Union for $5.00. This account is an excellent place for seniors to earn additional dividends and benefits without any account restrictions.
  •       QUARTERLY DIVIDENDS
  •       FREE SENIOR SERVICES
  •       FREE INTERNET BANKING
  •       FREE PAPER STATEMENTS

Investment Accounts

MONEY MARKET CHECKING   Northland's Cash Investment Account (CIA) Money Market Checking accounts give you convenient access to one of our high interest paying investment accounts.. Our Money Market Checking includes:

  •       MONTHLY DIVIDENDS
  •       3 CHECKS PER MONTH
  •       TIERED DIVIDENDS
  •       FREE FUNDS TRANSFERS

TERM SHARE CERTIFICATES   Northland Offers Term Share Certificates for 6, 12, and 24 months. These are our highest earning monetary instruments.
  •       QUARTERLY DIVIDENDS
  •       FREE INTERNET BANKING
  •       CD MATURITY OPTIONS
  •       FEDERALLY INSURED TO $250,000

Great Financing and Easy Payments

Flexible Loans
  • Defer your first payment for up to 90 days from the date of your loan.
  • Take 2 skip payments per year - you pay only the interest due.
  • Adjust your payment date if the need arises.
  • Extend your payment schedule.
  • Better Financing
  • Finance up to 100% of MSRP for New Vehicles.
  • Finance up to NADA Book Retail for Used Vehicles.
  • Finance up to 72 months on New and Used Autos.
  • Finance up to 120 months on Recreational Vehicles.
  • LifeLine Financing for folks with impaired credit.
  • Answers to Your Questions
  • There is no loan fee.
  • We do need an application for your loan.
  • We approve most loans the very same day.
  • Apply Online, In person, or Over the Phone.
  • Mike Rice
    Senior Loan Officer
    Mike has a masters from EWU. He is a Rex Johnson Lending University graduate. Mike has been with Northland since 2000. Mike loves to help people make their best deal.

    Our Loans

    Autos

    New and used, refinances, cash outs

    Recreational Vehicles

    New and used, refinances, no fees

    Off-Road Vehicles

    Motorcycles,4-Wheelers, Boats, Jet Skis, etc.

    Unsecured Loans

    VISA Credit cards, Lines of Credit

    LifeLine Loans

    Personal and Vehicle loans

    Deposit Secured

    Credit Cards and Personal loans

    Personal Loans

    Rate Locker Loan
    We created a Rate Locker loan to lock in a low fixed rate of interest to pay off those pesky credit cards. You can get our free VISA debit card with one of our great checking accounts!
    Unsecured Loans
  • Line of Credit Loans.
  • Rate Locker Loans.
  • VISA Credit Cards.
  • Answers to Your Questions
  • There is no loan fee.
  • We do need an application for your loan.
  • We approve most loans the very same day.
  • Apply Online, In person, or Over the Phone.
  • Mike Rice
    Senior Loan Officer
    Mike has a masters from EWU. He is a Rex Johnson Lending University graduate. Mike has been with Northland since 2000. Mike loves to help people make their best deal.

    Our Loans

    Autos

    New and used, refinances, cash outs

    Recreational Vehicles

    New and used, refinances, no fees

    Off-Road Vehicles

    Motorcycles,4-Wheelers, Boats, Jet Skis, etc.

    Unsecured Loans

    VISA Credit cards, Lines of Credit

    LifeLine Loans

    Personal and Vehicle loans

    Deposit Secured

    Credit Cards and Personal loans

    LifeLine Loans

    LifeLine Personal Loans are our personal lines of credit and a popular way of financing life's projects - like a new deck, a vacation, a lawn tractor or snowmobile. Your LifeLine of credit can also be used for overdraft protection for you Northland Checking account. Advances are made at the credit union. Our line of credit loan is perfect for quick approval and quick cash when you're in a hurry.

    LifeLine Auto Loans are our way of reaching out to help those with impaired credit. We are aware that many good people are struggling to maintain thier finances during this financial downturn. A LifeLine auto loan can get you the car you need at a very decent rate. Repayment terms of up to 48 months and no upfront loan fees make a LifeLine loan attractive.

    Staff Members

    Contact Us

    PHONE NUMBERS
    Phone: 1-509-466-3456
    FAX: 1-509-466-9466
    Toll Free: 1-800-659-3118
    LOST OR STOLEN CARDS
    VISA Credit Card: 1-800-449-7728
    VISA Debit Card: 1-800-554-8969
    EXTENSIONS
    Tellers Extension: 5
    Loans Extension: 6
    VISA Extension: 130
    E-MAIL
    General: contactus@northland.org
    Loans: mikerice@northland.org

    Northland Credit Union

    Credit Union is one of the few independent small credit unions that still puts service above expansion. We are dedicated to our members and know each one. Our 6 employees have over 75 years of combined service to Northland Credit Union. If you're tired of big banking and slick-but-impersonal credit unions and banks, you should try Northland CU. Where you really are a part of our financial family.

    Our Mission

    Northland is dedicated to the improvement of our members' financial situations. We encourage savings by offering flexible savings accounts and certificates that help your savings grow. Northland promotes credit improvement of our members by offering many different loan options to assist a wider range of borrowers in their quest for better credit-worthiness. We offer many financial tools free or at a low cost to assist our members in the management of their finances.

    Our Charter

    Northland Credit Union is a not-for-profit, cooperative, financial institution serving people like you who live, work, worship, or go to school in one of the school districts of the State of Washington.

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