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Consumer Loans 0-36 months
*APR as low as
37-48 months
*APR as low as
49-60 months
*APR as low as
61-72 months
*APR as low as
Signature Loan1 7.24% 8.24% 9.24% 10.24%
Checkmate Line of Credit
14.25%

Certificate Secured 2
Prevailing share rate + 3%
Share Secured 2
Terms up to 12 years w/ no fees or pre-payment penalties
Prevailing share rate + 3%
HELP loan is offered at 18% for a maximum term of 6 months.
*Annual Percentage Rates (APRs) as of 4/18/18 and subject to change without notice.

1 The lowest APRs shown are those available to borrowers with excellent credit and include a rate discount of 0.25% for automatic payment from an NIHFCU account or other lending institution. If automatic payment ceases before the loan is paid in full, the rate will increase by 0.25%. Maximum discount on base rate is 0.25%. Certain restrictions may apply. Payment example: Loan amount of $10,000 at a rate of 9.24% APR for 60 months would have a monthly payment of $208.75.

2 The rate on this loan is variable, based on the dividend rate NIHFCU pays on the account pledged as security for the loan. Certificate-secured loan payoff must not exceed the maturity date of the pledged certificate.