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Personal and Niche Loan Rates

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Check today's personal and niche loan rates

Rates effective as of 09/20/18. Interest rates may change. Please see your account disclosure for additional details.

Personal Loan Rates

Signature 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
Standard APR1 7.24% 8.24% 9.24% 10.24%
TotalCare Relationship APR2 6.99% 7.99% 8.99% 9.99%
Other Consumer Loans APR** as low as
Checkmate Line of Credit 14.25%
Certificate Secured3 Prevailing share rate + 3%
Share Secured3 Prevailing share rate + 3%
Terms up to 12 years with no fees or prepayment penalties
HELP Loan 18.00%
Terms up to 6 months.

** APR as of 4/18/18 for highly qualified applicants. Final rates and terms for approved applicants depend on credit and payment history, payment method and other factors which may be lawfully considered. All loan rates and terms subject to change without notice. Restrictions may apply.

1 Includes 0.25% off for automatic-debit of loan payment from any financial institution.

2 Includes an additional 0.25% off for automatic-debit of loan payment from your NIHFCU TotalCare checking account.

3 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.