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Special loans for unique situations

The NIH Federal Credit Union offers a series of niche loans with great terms for the diverse borrowing needs of its members.


When you need HELP, we have your back.

Designed for emergency situations, the NIHFCU’s HELP (Honest Emergency Loan Program) allows you to borrow when you need it most. The HELP loan offers:

  • A great rate of 18.00% APR2

  • Up to $1,000 in emergency funds available

  • A maximum loan term of 6 months

Due to its unique nature, the HELP loan has some special requirements:

  • Member must provide two recent pay stubs to qualify

  • Member must have had at least one loan with the NIHFCU

  • Previous loans did not cause a loss to the credit union

  • Each member is allowed only one HELP loan at any one time

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five stars

Personal Loan

The NIHFCU staff were professional, helpful, very efficient and extremely friendly. They made the process very easy.




Tap into your NIHFCU savings to give yourself a loan

Our Share Secured Loan lets you keep your NIHFCU savings intact while extending yourself the credit you need to borrow. Simply “pledge” a portion of your savings (or certificate) to help you meet virtually any personal or household need. As you pay down your loan, the equaling shares you pledged are freed up and available to you. Our Share Secured loans offer many advantages, including:

  • The ability to help build or repair your credit history

  • Low variable rates1: (prevailing share or certificate rate + 3.00%2)

  • Terms up to 12 years

  • No fees or prepayment penalties

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Financial wellness begins and ends with the facts. Here's what you need to know!

1 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.

2 APR = Annual Percentage rate as of 7/18/18. Final rates and terms for approved applicants depend on credit and payment history and other factors which may be lawfully considered. All loan rates and terms subject to change without notice. Restrictions may apply.