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Signature loan rates as low as 5.99% 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 or 60 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 5.99% APR*
Check Rates 


    
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*Annual Percentage Rates (APRs) and subject to change without notice. The lowest APR shown is available to borrowers with excellent credit and includes a rate discount of 0.50% for automatic payment. If automatic payment ceases before the loan is paid in full, the rate will increase by 0.50%. Certain restrictions may apply. 

 

REVIEW SNAPSHOT®

by PowerReviews
NIHFCUSignature Loan
 
4.7

(based on 27 reviews)

Ratings Distribution

  • 5 Stars

     

    (20)

  • 4 Stars

     

    (6)

  • 3 Stars

     

    (1)

  • 2 Stars

     

    (0)

  • 1 Stars

     

    (0)

100%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses
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    •  
    • Member Service:
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Most Liked Positive Review

 

NIHFCU Rocks!

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...Read complete review

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.

VS

Most Liked Negative Review

 

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.

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.

Reviewed by 27 customers

Displaying reviews 1-10

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(2 of 2 customers found this review helpful)

 
3.0

Great for small emergencies

By Fungi

from Rockville, MD

Verified Buyer

Comments about Signature Loan:

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.

  • Credit Union Member Since:
  • 2014
  • Occupation:
  • Scientist
  • Member Service:
  •  
  • Product Features:
  •  

(1 of 1 customers found this review helpful)

 
5.0

Back up funds

By Rock92

from Bethesda, MD

Verified Buyer

Comments about Signature Loan:

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.

  • Credit Union Member Since:
  • 1992
  • Occupation:
  • Researcher
  • Member Service:
  •  
  • Product Features:
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(1 of 1 customers found this review helpful)

 
5.0

great job!

By LorenG

from Rockville, MD

Verified Buyer

Comments about Signature Loan:

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

  • Credit Union Member Since:
  • 1991
  • Occupation:
  • IT Project Manager
  • Member Service:
  •  
  • Product Features:
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(3 of 3 customers found this review helpful)

 
5.0

Signature loans

By Federal Employee in MD

from MD

Verified Buyer

Comments about Signature Loan:

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.

  • Credit Union Member Since:
  • 2004
  • Occupation:
  • NIH Employee
  • Member Service:
  •  
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(2 of 2 customers found this review helpful)

 
4.0

Easy as one, two, three

By Fran

from Rockville, Md

Verified Buyer

Comments about Signature Loan:

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

  • Credit Union Member Since:
  • 1992
  • Occupation:
  • RVT
  • Member Service:
  •  
  • Product Features:
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(3 of 3 customers found this review helpful)

 
5.0

NIHFCU Rocks!

By Legra

from Silver Spring, MD

Verified Buyer

Comments about Signature Loan:

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.

  • Credit Union Member Since:
  • 1983
  • Occupation:
  • Retired
  • Member Service:
  •  
  • Product Features:
  •  

(1 of 1 customers found this review helpful)

 
5.0

Exemplary serivce obtain signature loan

By Ruth

from bethesda, md

Verified Buyer

Comments about Signature Loan:

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

  • Credit Union Member Since:
  • 1978
  • Occupation:
  • Laboratory Operation
  • Member Service:
  •  
  • Product Features:
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(1 of 1 customers found this review helpful)

 
5.0

NIHFCU has got you covered

By Laura

from Bethesda MD

Verified Buyer

Comments about Signature Loan:

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.

  • Credit Union Member Since:
  • 2009
  • Occupation:
  • HR
  • Member Service:
  •  
  • Product Features:
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(1 of 1 customers found this review helpful)

 
4.0

Fast service

By Dr. Jim

from Rockville, MD

Verified Buyer

Comments about Signature Loan:

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

(2 of 2 customers found this review helpful)

 
5.0

"Always the best way to go..."

By RN Emil

from Silver Spring, MD

Verified Buyer

Comments about Signature Loan:

I have always looked at big banking institutions without paying much attention to NIHFCU. I was a member before but decided to close all my accounts. Then the time for me to secure some personal loan came. My financial institution would not even help me get a reasonable interest rate so I decided to stop by a NIHFCU Branch and re-open a savings account. The best decision ever! Not only did they give me excellent rate, the staff were also very helpful, polite and appreciative of my membership. Now, because of the personal loan that NIHFCU provided, I was able to start with my Doctoral degree! I will always be grateful to NIHFCU!

  • Credit Union Member Since:
  • 2011
  • Occupation:
  • Registred Nurse
  • Member Service:
  •  
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