Borrowing with Confidence

Because Northern Birch is a credit union, our members are our shareholders. Instead of prioritizing outside investors, we reinvest our profits directly back into you through lower fees and highly competitive rates.

Best of all, we don’t rely on rigid, computer-generated algorithms. Our team looks at your personal financial picture to build a flexible, human-approved mortgage solution built for you.

A personal loan gives you a lump sum upfront. Interest begins immediately, and you pay it back in predictable monthly installments.

A line of credit is a flexible, revolving credit pool. You borrow only what you need, when you need it, and only pay interest on the amount you actually use.

Unlike government options, our student loans aren’t restricted by parental income brackets. The borrowing limit is up to $5,000 per academic year and students receive a discounted rate and enjoy interest-only payments while actively in school.

We offer a variety of Northern Birch Collabria Mastercards, each with its own rewards and fees to match your lifestyle. Choose the right card for you.

Absolutely. Every person’s financial journey is unique and we take the time to get to know you and your story. Whether you’re looking for your first credit card or a small loan, our team will work with you to establish a solid financial foundation and map out a plan to achieve your long-term goals.