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Signature loan rates as low as 6.99% APR* 

Our fixed-rate Signature Loan can provide fast access to the funds needed for virtually any borrowing need, such as:
  • ​Paying off other higher-rate debt obligations
  • Financing a seasonal home repair, upgrade or major purchase
  • Funding educational expenses
  • Tending to an unforeseen personal need or emergency
  • Planning a family event, vacation, and more 

Key Features and Benefits

  • Great fixed, low rates
  • Terms from 36, 48, 60 to 72 months
  • No collateral required 
  • Loan amounts up to $50,000 available
  • Opt to Skip-a-Pay every 12 months (restrictions apply)

Check Personal Loan Rates
Great fixed rates as low as 6.99% APR*
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Helpful Links

•   Skip-a-Pay
•   Debt Protection 
•   Home Equity Loans
•   Low Rate Credit Cards
•   Complimentary Credit Check-Up
Fellows Advantage Program

*Annual Percentage Rates (APRs) as of 7/18/18 and subject to change without notice. The lowest APR shown is available to borrowers with excellent credit and includes a rate discount of 0.25% for automatic payment from NIHFCU TotalCare checking account. If automatic payment ceases before the loan is paid in full, the rate will increase by 0.25%. Certain restrictions may apply. Payment example: Loan amount of $10,000 at a rate of 6.99% APR for 60 months would have a monthly payment of $197.96.


Easy process


I am saving money by rolling my other debt into one personal loan. Easy application and quick process. Thanks!

Mare R.


Great for small emergencies


Overall I think it's a good product but I think the requirements should be evaluated in each case individually with specific facts to backup the purpose of getting the loan.


Rockville, MD


Back up funds


This program was extremely helpful at the time of the shutdown. The staff at NIHFCU was very helpful through the process of obtaining the signature loan. It was fast and efficient. The rate is very reasonable for the first year.


Bethesda, MD


great job!


Thank you for your great service. I've been a member since 1991, and do not wish to go anywhere.


Rockville, MD


Signature loans


NIH FCU staff was very courteous and helpful during the Federal shutdown in October 2013. I applied for a S.A.F.E. Line of Credit/Closed-End Loan during the critical and uncertain time when most Federal employees were unsure of exactly when they would receive another paycheck and needed support to bridge the gap in paychecks. NIH FCU staff explained the options and walked me through the process. Thanks NIHFCU for considering my application and being there as a resource.

Federal Employee in MD



Easy as one, two, three


This offer could not have come to me at a better time. It was easy to apply. I needed assistance and that was not complicated. In 72 hrs I had my answer. One, two, three, ABC. Apply for a loan


Rockville, Md




I have banked with NIHFCU since the early 80's, I believe...maybe even longer. I worked at George Washington University and they insisted that we open up a bank account in order to facilitate their process of paying it's employees. Since then I have received the most professional help I have ever received at any other banking institution. What I appreciate most is the customer service sensitivity to my fibromyalgia issue (which at times creates a brain fog and I make mistakes); I even appreciate more their trust in my word...this is really important.


Silver Spring, MD


Exemplary serivce obtain signature loan


Efficient, pleasant personnel and totally professional. Thank you very much. Ruth


bethesda, md


NIHFCU has got you covered


NIHFCU has the best rates, the quickest turnaround time and very professional and courteous staff. It's great to be able to have such a reliable financial institution. I recently obtained a signature loan to replace a leaking roof and it was reassuring to know they were there and would provide top notch service.


Bethesda MD


Fast service


The best part of the NIHFCU Signature Loan is the expedient process between application and decision.

Dr. Jim

Rockville, MD


Personal Loan

4.7 28


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